vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a notification from XXXX XXXX prompting me to upgrade my account. I followed their instructions and worked with an agent to update it. However, instead of the advertised price of {$95.00}, I was charged {$220.00}. I immediately requested a reversal of the charges, as I was not comfortable with this price. Unfortunately, the agent ended the chat and ceased responding to any of my subsequent emails or chat messages. 

To address the issue, I contacted XXXX before the charges were officially posted to my account and disputed the transaction. Despite providing XXXX with detailed, timestamped screenshots of the entire interaction as evidence, they have been largely unresponsive. Theyve informed me multiple times that they have received " new data '' from XXXX XXXX but have failed to share or update me on the nature of this data. 

Today, XX/XX/XXXX, was supposed to be the final day for XXXX to resolve the dispute, as outlined in their communication. However, when I followed up, they informed me that they still dont have a resolution and are now trying to extend the deadline further. 

The transaction occurred on XX/XX/XXXX, and the XXXX XXXX ID is XXXX. I am frustrated by the lack of transparency and the repeated delays in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account.Despite having sufficient funds in account at the time of these transactions were authorized, I was charged overdraft fees due to delay of posting of charges and credits. 

This situation mirrors the recent finding by the CFPB where NFCU practices regarding overdraft feeson transactions that settle with insufficient balances even though finds were available when transactions were initiated. 

I believe these transactions are unfair and respectfully request investigation into my account and these charges in question made to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting a formal complaint regarding Chase Bank 's mishandling of my account, their failure to adequately address disputes, and their lack of transparency regarding their policies. 

Issues : Unfamiliar Beneficiary Account : Chase Bank allowed someone to add and remove a beneficiary to my account without my consent or authorization. When I inquired, they claimed they had no record of the beneficiary account or the date it was added. This raises serious concerns about the security of my account and the banks processes for handling such changes. 

Overdraft Policy : An overdraft was placed on my account due to Chases restrictions, which paused my direct deposits. Despite the overdraft resulting from their own actions, Chase has refused to let me settle it unless I physically visit a branch and speak to a teller. I requested a copy of the policy requiring this, but Chase has failed to provide it. 

Unauthorized Charges : Chase allowed XXXX XXXX to withdraw over {$1000.00} from my account without my authorization. Chase justified this decision solely because I had previously used XXXX services and had a digital wallet with the company, which I believe is an unreasonable and negligent stance. 

These actions demonstrate a pattern of negligence and lack of consumer protection by Chase Bank. As a result, I am concerned about the security of my finances and Chases ability to uphold its responsibilities to its customers. 

Desired Resolution : An investigation into Chases handling of these matters, including their policies regarding beneficiary changes, overdraft settlement, and disputed charges. 
Reimbursement for the unauthorized withdrawals from my account. 
Assurance that safeguards are implemented to prevent similar issues in the future. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Seeing an unauthorized inquiry on my credit report this morning left me confused and frustrated, as I have no explanation for it. I check my report regularly, but this time, there were errors that shouldnt be there. I refreshed my browser several times to rule out a glitch, but the unauthorized inquiry remains. I need this resolved immediately by carefully reviewing the documents Ive submitted, so I dont have to keep worrying about this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
My mortgage company, XXXX Mortgage, has prolonged the loan assumption process since XXXX of XXXX. They piece mailed the potential buyer XXXX different parts of the application package XXXX weeks apart and advised it's in underwriting being reviewed by management on XX/XX/year>. I called the VA XXXX XXXX department and they have no notes and did not receive a loan assumption package. This has been ongoing for 5 months now and we have depleted our savings. The builder on the new property will not continue to extend our contract and we are risking becoming homeless if we don't close in the next month. Each month we have to pay the builder {$900.00} to prevent them putting out house back on the market and to keep our mortgage rate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am a truck driver, away from home XXXX to XXXX weeks at a time. In the beginning my wife would send me money for food. About XXXX years ago cashapp stopped any transaction from her to me. They said it was for my own protection. I called several times only to be treated bad and the problem not resolved. I went from buying groceries to begging for money from other truckers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CRED Technologies dba cred.ai
State: CA

Complaint narrative:
On XXXX XXXX, 2024 my credit card provided by Cred.ai was cloned/skimmed and used to withdraw {$500.00} in {$100.00} increments over approximately XXXX minutes. 
This incident of identity theft was reported to Cred.ai on XX/XX/year>. After an alleged investigation by Cred.ai their conclusion is that the withdrawls were authorized by the card holder and the decision was final. I then requested information as to how the conclusion was arrived. Cred.ai response revealed an investigation which was weak ar best. I hired the law office of XXXX XXXX and accrued {$2500.00} in legal fees in order assist an effort to mitigate with Cred.ai. Plus {$400.00} for personal expenses. 
Cred.ai ignored all request to arbitrate as outlined in the user agreement. Cred.ai has been provided a XXXX XXXX Police report and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts i have marked as inaccurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
No credit score shown on my credit XXXX many anomalies, but things are now starting to make a little sense. 
Over the course of XXXX or 6 years, I believe my personal information was shared with a third party ( XXXX XXXX XXXX XXXX, and whomever else, and and provided to the XXXX XXXX of my past employers resulting in adverse actions being taken against me. I believe these actions to not only be illegal, but also unconstitutional, including but not limited to multiple employer background checks being run without written consent and legal protocol resulting in smear campaigns, workforce discrimination, organized stalking/surveillance, unfair treatment, workforce harassment, job search blacklisting, and even termination under pretext.

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

Complaint narrative:
I am disputing the fraudulent reporting of the following accounts on my TransUnion credit file : XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX MOMNT account ending in XXXX These accounts were opened without my knowledge or authorization and have been falsely reported as charge-offs, derogatory, or with an open balance in the case of XXXX. Despite providing an FTC Identity Theft Report, supporting documentation, and prior disputes, TransUnion has failed to properly investigate or remove these accounts. This mishandling violates my rights under FCRA 15 USC 1681i. TransUnion 's failure to comply has caused unnecessary harm to my credit and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of a recent disputed information in my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently fined a lawsuit against Experian alleging systematic issues such as failure to forward customer 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 correct nor remove the 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 XXXX inaction violated federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had a XXXXXXXX XXXX store credit card for almost a decade before they changed their policies about a year ago. I was also a loyal customer who shopped there before going to XXXX XXXX. XXXX changed policy to no longer provide paper statements to their customers, unless you paid a fee to receive them. Otherwise, you were forced to receive statements via email. Since I didn't want to pay a fee to receive my bill, my account was switched to online statements. 
shortly after that, I shopped at their store, under {$100.00} in items. With the new email billing system, their bill got lost in all of the junk emails and went unpaid. By the time I realized this, I had XXXX late fees. So, I paid the amount I owed for purchases and called them to remove the late fees. They would only remove XXXX of the late fees, and left the {$30.00} late fee on my account. Even though I had been a loyal customer who paid my bill in full each time I had XXXX, they would not budge on the {$30.00}. So, I cancelled my account with them around XXXXXXXX XXXX XXXX 
Since I have cancelled that account, their fees and interest on that {$30.00} has grown to over {$220.00} in only 5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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