vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( Navy Federal ) for their mishandling of my fraud claim, failure to provide documentation as required by law, and improper treatment of my account following the fraudulent charges. 

On XX/XX/year>, I reported fraudulent charges on my Navy Federal account in the amount of {$460.00}. I promptly filed a police report and uploaded my claim to Navy Federal the following day, on XX/XX/year>. However, just XXXX hours after I submitted my claim, Navy Federal denied it, stating they conducted a full investigation. It is not possible for a thorough and fair investigation to be conducted in such a short timeframe. 

On XX/XX/year>, I explicitly demanded that Navy Federal provide all documentation and findings used in their investigation. To date ( XX/XX/year> ), they have failed to provide any documentation or evidence to support their denial of my claim or to demonstrate that a legitimate investigation took place. 

Additionally : 1. Navy Federal removed the provisional credit for the fraudulent amount of {$460.00}, leaving my account negative, despite my clear lack of responsibility for the unauthorized charges.

2. Navy Federals customer service representatives have provided no explanation for why I have not received the requested documentation, nor have they offered any resolution to this matter.

These actions violate my rights under the Electronic Funds Transfer Act ( EFTA ) and Regulation E, which require financial institutions to conduct a reasonable investigation of reported fraudulent charges and to provide evidence to support their decisions. Navy Federals failure to comply with these obligations has caused significant financial hardship and emotional distress.

I am requesting the following : 1. Immediate provision of all documentation, evidence, and findings related to the investigation conducted by Navy Federal.

2. Restoration of the provisional credit of {$460.00} to my account while this matter is properly investigated.

3. A detailed explanation of the investigation process and compliance with all legal and regulatory requirements.

If these issues are not addressed promptly, I am seeking CFPBs intervention to hold Navy Federal accountable for their handling of this matter and to ensure they comply with the law.

Thank you for your time and assistance in resolving this issue.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In 2024 I had XXXX student loans consolidated. The accounts were bought by XXXX so they showed as closed under US department of education. Experian is the only account still reporting them as open. I have tried disputing them 4 times with them saying the information is correct. I have proof they were consolidated and should be closed. This is affecting me getting a loan for a home. I need them to report them as closed like they are.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I WENT TO EXPERIANXXXX SITE TO ORDER MY " FREE '' ANNUAL CREDIT REPORT AND THE EXPERIAN SITE BOMBED ME WITH DOZENS OF CREDIT CARD OFFERS AND OTHER " PAID FOR " OFFERS TO STEAL MORE OF MY MONEY. I HAD TO FIND THE FREE CREDIT REPORT BUTTON AFTER DODGING ALL OF THIER CREDIT CARD OFFERS TO LOWER AND DAMAGE MY XXXX. I FINALLY FOUND THE BUTTON AND CLICKED IT AND IT DIOD NOT GIVE ME MY FREE CREDIT REPORT. THE FREE CREDIT REPORT SEEMS TO BE SOME KIND OF SCAM TO MAKE YOU WADE THROUGH DOZENS OF LOAN AND CREDIT CARD OFFERS. EXPERIAN SHOULD BE SHUT DOWN!!!!!!!

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 2025-01-25 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: CBC Companies, Inc.
State: CT

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Theses are the accounts that is listed below are marked in accurate XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} XXXX XXXX {$340.00} XXXX XXXXXXXX {$530.00} XXXXXXXX XXXX  XXXX {$96.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to inform you of several inaccuracies in my credit report, such as incorrect account entries, an unknown collection, unauthorized inquiries, and billing errors. I would appreciate your assistance in resolving these matters to safeguard my financial security.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you of several inaccuracies in my credit report, such as incorrect account entries, an unknown collection, unauthorized inquiries, and billing errors. I would appreciate your assistance in resolving these matters to safeguard my financial security.

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 2025-01-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Formal Dispute Regarding Negligence and Non-Compliance under California Civil Code Section 16810 I am writing to formally dispute your recent actions ( or inactions ) that I believe constitute negligence and non-compliance, resulting in damages under California Civil Code Section 16810. 

Description of the Issue : On [ specific date ], [ describe the event or action that caused the issue ]. Your failure to [ specific act of negligence or non-compliance ] has directly resulted in [ specific harm, damages, or inconvenience caused ]. 

Under Civil Code Section 16810, parties are held liable for damages arising from breaches of their obligations, particularly when such breaches stem from negligence. Your failure to [ specific responsibility they neglected ] violates the legal standards outlined in this section. 

Requested Resolution : To resolve this matter, I am requesting the following : 1. [ Specific action you want them to take, e.g., reimbursement, corrective measures, or an apology ].

2. [ Any other remedies you seek, such as ceasing certain actions or providing documentation ].

Please respond to this dispute in writing within [ reasonable time frame, e.g., 14 days ] of receiving this letter. Failure to address this matter adequately may leave me with no option but to escalate the issue through legal channels. 

I trust you will give this matter the attention it deserves and look forward to a swift and amicable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiries ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-01-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inquiries ) I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5800.0XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-25 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app, allowed hacking theirs advised i was under fraud stil refused to provide payment and closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
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 failed to forward consumer-provided responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians 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 2025-01-25 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
There is a hard pull on my credit report for an auto loan through Navy Federal. I applied for a pre-approval through the app. I was not going through with applying for the loan. I was informed this was going to be a soft pull and would not affect my credit or credit score. I need this inquiry to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I fell behind on mortgage payments and Wells Fargo set up my payment to be automatically deducted biweekly. Due to hardships I called and spoke with a Wells Fargo representative and had them stop my auto pay. Instead they took the money from my account. I called again and again, I was disconnected several times and placed on hold several times only to have no one take my calls. The last time I did speak with a Wells Fargo representative she told me they had put my money in an account created by Wells Fargo.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AZ

Complaint narrative:
On XX/XX/year> I called XXXX XXXX XXXX and spoke with XXXX. Informed XXXX that there was an incorrect increase to my XXXX XXXX. I advised XXXX that my Loan amount was Change from XXXX to {>= $1,000,000} and my 30 day late was not recorded correctly as it was for XXXX however it was moved to XXXX. I was beyond shocked that someone could make this type of error. I advise XXXX that this error could potentially cost me my Pre approval on the home my wife and myself are currently trying to purchase. As this Error dropped my Credit XXXX points to an XXXX and My Wifes Credit Score below the XXXX score that we needed to qualify for FHA. XXXX stated that she emailed a Manager and who would be checking into. XXXX called me back advising me that it was updated. I quickly filed a dispute to have the credit bureau investigate it for Change. On XX/XX/XXXX I received a notification from XXXX XXXX stating that my Loan Amount was updated to XXXX after investigation through Equifax it was found that the information was not changed. My Credit Score is currently sitting at a XXXX and we lost the home we were trying to purchase due to XXXX XXXX incompetence for the 30 day Lates and Late report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am trying to apply for a credit card through Bank of America and XXXX XXXX. I never applied and I would like to get a credit card my credit has went way down and got on there and its saying i have credit cards in my name I never even used

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 2025-01-25 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-25 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 compliant against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged dees 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