vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. As proof I have attached my navy federal profile screenshot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-21 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:
I am writing to formally dispute inaccuracies on my consumer credit report under the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have enclosed a copy of my police report and the FTC Identity Theft Report to substantiate my claim. 

I discovered these fraudulent accounts on XX/XX/scrub> 2025, when I reviewed my consumer report. The following accounts were fraudulently opened in my name without my authorization : 1. XXXX XXXXXX/XX/XXXXAccount XXXX : XXXX, XXXX 2.XX/XX/XXXX Account Numbers : XXXX, XXXX 3. XX/XX/XXXXXXXX Account Numbers : XXXX, XXXX 4. XXXX Account XXXX : XXXX 5. XXXXXX/XX/XXXXAccount Number : XXXX 6. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX These accounts and charges were not initiated by me and are a result of identity theft. Under the FCRA, I am requesting the immediate removal of these accounts from my credit report as per 605B ( 15 U.S.C. 1681c-2 ). This section of the FCRA states that a consumer has the right to block information resulting from identity theft upon providing proof of identity theft, such as a police report.

I demand that these inaccuracies be permanently removed from my consumer report to prevent further harm to my creditworthiness and financial standing.

To support this dispute, I have included : A copy of my police report. A copy of my FTC Identity Theft Report. A copy of my identification A copy of my credit report with fraudulent accounts highlighted. 
.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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 deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
They are charging me XXXX in monthly fees card has not been used months and every months numerous amount of fees and every month something new card balance is not going down

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 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: MI

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 2025-01-21 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: NC

Complaint narrative:
Please check the information concerning the equifax data breach below in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TN

Complaint narrative:
Credit Agency : Experian Inc. and XXXX Original Creditor is no longer in operation Original Creditor : XXXX XXXX  XXXX XXXX Debt Collector : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} XX/XX/XXXX : My most recent dispute for the account above I am disputing a debt collection attempt from National XXXX XXXX XXXX a debt originally owed to XXXX XXXX  XXXX XXXX XXXX which is no longer in operation. The apartment complex associated with this debt has permanently closed, and the debt collector has failed to provide any proof that I owe this debt. Despite my requests, I have not received any documentation, such as a forward flow agreement, purchase agreement, or a detailed ledger, to validate the amount being claimed. Additionally, Experian did not properly investigate my dispute, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this debt be removed from my credit report and that all collection efforts cease until proper validation is provided, as required by the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-01-20 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: AMERICAN HONDA FINANCE CORP
State: NH

Complaint narrative:
Honda Finance failed to properly investigate disputes about information it furnished to credit reporting companies. Additionally, they failed to send the results of investigations to credit reporting companies and consumers, when required. 15 U.S. Code 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Doing covid my accounts were scammed and fraud to place and i my account was closed and put in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
You're in violation of the Court 's order to remove this item from my credit. I have disputed this account with the Dept. of Ed, my attorney, the Judge on the case, you numerous times and the Ombudsman for the Dept. of Ed so many times, that I'm tired of it! Equifax is the ONLY CREDIT BUREAU reporting this information and has since XX/XX/2024, when the remaining student loan accounts under XXXX XXXX, who is a defunct government loan servicing company no longer in business. The Dept. of Ed canceled their contract and they went under! There is no way to dispute it directly with the company, so you need to follow suit of the other 2 bureaus and do what the court ordered the Dept. of Ed to do : REMOVE ALL STUDENT LOAN DEBTS FROM THE STUDENT 'S CREDIT REPORTS PER THE SETTLEMENT OUTLINED BY THE JUDGE ON THE CASE! There are no other student loans reflected on my credit report ANY WHERE! Just you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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 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 list 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 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 2025-01-20 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: CA

Complaint narrative:
I am filing a compiaint against transunion for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion 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, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX accounts 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 non-monetary relief
Consumer complaint received 2025-01-21 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TN

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
i went through XXXX XXXX XXXX to have this removed it did not fall through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
T.D. Banks Target XXXX XXXX is discriminating against me. Ive had the card for over 10 years & have only seen 1 line of credit increase in all of those years. The last & only line of credit increase being about 6 years ago eventhough I update my income information yearly & request line of credit increases yearly. My credit score has been very good or higher the entire time. Ive called Target XXXX XXXX numerous times about this matter with no resolution. Ive also complained via phone call to Target XXXX XXXX I realized that Target XXXX XXXXXXXX servicer is T.D. Bank, so I called them also to complain. No resolutions were given to me. No line of credit increases have been given to me. Again, there are no justifiable reasons for which I have not gotten any additional line of credit increases. I shop at Target frequently & if I use this Target XXXX XXXX with 8+ times lower credit limit then any of my other credit cards, every time I shop, if its right before they report my balance, it would lower my score every month because my credit score is so good & I have such a low credit utilization, that this card with such a low credit limit, 1 {$50.00} purchase would give a higher utilization percentage from this 1 card, then all of the rest of my credit utilization!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 deceptive, 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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is a collection agency that has illegally kept reporting on my XXXX and XXXX XXXX reports. I have disputed this alleged debt with multiple written requests only to be ignored or threatened by representatives when I pick up to attempt to resolve the issue. My last attempt was in XX/XX/year> and they simply update their fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 processes unfair and and deceptive, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 deceptive, 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 2025-01-20 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 formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transaction was authorized. However, due to delayed posting of charges and credit, I was unfairly charged overdraft fees. 
The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am writing to bring attention to the concerns in which Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Agency ( FCRA ) to conduct a proper re-investigation of reported information on my credit report. The negligence of these matters has left inaccurate and unverifiable accounts unresolved on my credit report. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic 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 Experian has neither corrected nor removed disputed items despite the evidence I provided. These systematic failures have caused ongoing harm to my credit standing.

I am requesting immediate corrective action to remove the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. 

I respectfully request that CFPB Investigate this matter, as this situation is detrimental to me as a consumer and does not align with the mission of ensuring fair and transparent credit reporting practices. 

Please let me know if you need any additional information from me. 

Thank you, for you attention to this important 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 explanation