vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX, XXXX, # XXXX, XXXX  XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a Member of Navy Federal, and I do believe that my account was charged as well overdraft fees when I knew I had the money. It showed it was taken and couple days later I had a bounce amount of XXXX $ because apparently it was not covered because it looked like on my account as it was already taken out. I am a Member since XXXX  I believe.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/XXXX Ss # XXXX Experian XXXX XXXX XXXX XXXX Tx XXXX XXXX To Whom It XXXX Concern, I filed Several CFPB COMPLAINTS regarding my credit profile which Experian has not provided the information that I requested in regards to their dispute investigation process or provided the documentation I requested which include original court documents and my wet signature, regarding the Chapter XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, Chapter XXXX filed XX/XX/XXXX case # XXXX and Chapter XXXX file XX/XX/XXXX case # XXXX. I was a victim of Human Trafficking and identity theft which I provided the appropriate information ( self attest letter ) to Experian which I believe wasn't investigated. This has caused further damage to my life and the inability to acquire basic essentials required to live a normal life such as housing or employment. XXXX a Victim of Human Trafficking and the public records that appear in this complaint are a result of that trafficking. Please block this information from my credit report within XXXX business days pursuant to section 605c of the fair credit reporting act. Thanks in advance for your timely response to this request. 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 2025-01-16 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: FL

Complaint narrative:
These are the accounts opened on my XXXX XXXX XXXX and Equifax account which are incorrect. I did not open those accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened : XX/XX/XXXX Balance {$2000.00} XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX Date opened : XX/XX/XXXX Balance {$660.00} XXXX. XXXX XXXX XXXX MERCHANDISE XXXX XXXX XXXX, IL XXXX Date opened : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$950.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$6300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX Date opened : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date XXXX Balance {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance {$3400.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX XXXX, FL XXXX Date opened : XX/XX/XXXX Balance {$220.00} XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MN XXXX Date opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened XX/XX/XXXX Balance : {$2300.00} XXXX. XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX XXXX opened : XX/XX/XXXX Balance : {$670.00} Address incorrect : XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Phone Numbers incorrect XXXX XXXX XXXX

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:
These are the accounts opened on my XXXX XXXX Experian and XXXX account which are incorrect. I did not open those accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened : XX/XX/XXXX Balance {$2000.00} XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX Date opened : XX/XX/XXXX Balance {$660.00} XXXX. XXXX XXXX XXXX MERCHANDISE XXXX XXXX XXXX, IL XXXX Date opened : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$950.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$6300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date opened : XX/XX/XXXX Balance {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX Date opened : XX/XX/XXXX Balance : {$150.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Date opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Balance {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Date opened : XX/XX/XXXX Balance {$3400.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX XXXX, FL XXXX Date opened : XX/XX/XXXX Balance {$220.00} XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX Date opened : XX/XX/XXXX Balance : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MN XXXX Date opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date opened XX/XX/XXXX Balance : {$2300.00} XXXX. XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX XXXX opened : XX/XX/XXXX Balance : {$670.00} Address incorrect : XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Phone Numbers incorrect 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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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

Complaint narrative:
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Cease reporting this immediately under 15 us code 6852 This not my debit I have been writing you over a year now Please stop reporting

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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have 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 2025-01-16 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: TX

Complaint narrative:
Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

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: TX

Complaint narrative:
Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: LA

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 XXXX XXXX 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: NY

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 and transparency is unacceptable and raises serious concerns about consumer 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: KY

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2025-01-16 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: NC

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 want to charge 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 balances despite initially available funds. I believe these practices are unfair and request 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of the XXXX data breach they are reporting false information on my credit report every single thing on my credit report is incorrect starting from 2019 up to now XXXX in the process of filing a lawsuit against them for the amount of XXXX for all the damages they caused me by letting my information being breached they are operating unlawfully and refusing to remove all the negative information that they caused

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of the XXXX data breach they are reporting false information on my credit report every single thing on my credit report is incorrect starting from 2019 up to now XXXX in the process of filing a lawsuit against them for the amount of XXXX for all the damages they caused me by letting my information being breached they are operating unlawfully and refusing to remove all the negative information that they caused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I HAD SENT THRU XXXX MONEY MONTHS AGO BUT THEY COULDNT CANCEL TRANSACTION. {$1000.00}. ALSO MONEY WAS SENT TO SOMEONE I HAD PUT IN A CONTACT BUT NEVER SENT THE MONEY. DID IT ON ITS OWN. XXXX

Company response to consumer: Closed with explanation