vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: UT

Complaint narrative:
Between XXXX XXXX XXXX 2025 I was charged in total of {$370.00} in overdraft fees. The overdrafts were paid in full with direct deposits and the next next day I would get hit with more overdraft fees.

I had filed claims with the company and they are saying that I am abusing the claims section and they are now closing my account because of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2025-02-04 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief
Consumer complaint received 2025-02-04 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 2025-02-04 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: EQUIFAX, 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Sending over personal information via email from a dent which has not been validated to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I have received several notices of Debt collection from the firm : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX requesting payment immediately on : XX/XX/year> referencing Case # : XXXX However, it also included TWO Additional Case # s XXXX AND XXXX Requesting payable to : XXXX XXXX CLERK OF THE COURT. I contacted the COURT and did not get any information concerning this DEBT. Furthermore, I received TWO other NOTICES ; DATED : XX/XX/year> Case # XXXX  and a Third Notice ; Dated : XX/XX/year> Case # XXXX  NON of these Debts are verifiable by ; CLERK of COURT to lift the suspension of my Driving Privilege.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AE

Complaint narrative:
I completed 120 months of federal employment in XX/XX/year>. I submitted employment verification in XX/XX/year> and federal student aid ( department of education ) certified 115 months of employment and payments. The remaining 5 payments were not counted due to the SAVE forbearance. I requested a buyback agreement in XX/XX/year> to buy the 5 months of payments. I have not received the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they believe the disputes are originating from a third party. This is not the case, as the disputes were filed directly by me. I even contacted them to confirm my identity, but despite this, they still refused to process my disputes. 

I have wasted both time and money mailing my disputes, as well as sending personal information to verify my identity. Unfortunately, they did not conduct a thorough investigation into my claims.

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 2025-02-04 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: NY

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they believe the disputes are originating from a third party. This is not the case, as the disputes were filed directly by me. I even contacted them to confirm my identity, but despite this, they still refused to process my disputes. 

I have wasted both time and money mailing my disputes, as well as sending personal information to verify my identity. Unfortunately, they did not conduct a thorough investigation into my claims.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX XXXX XXXX XXXX XXXX. This situation falls under trafficking as defined by the

Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. Please take action to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Navy Federal Credit Union XXXX XXXX XXXX. XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX RE : Notice of Violation of the Card Holder Agreement Acct : XXXX Dear Navy Federal Credit Union, Greetings, I have recently viewed my credit report and I noticed something strange as it pertains to what you are reporting to the XXXX major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. 
I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. 
This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX : I transferred money from XXXX to my Chime account. Initially, I wanted to put the funds into my Credit Builder account, but I noticed that whenever I transferred money there, it was redirected to my other Chime account instead. 

Three hours later, I realized the money had not transferred from XXXX to Chime as part of an instant transfer. I contacted XXXX, who initiated a dispute. According to them, there were no issues on their end, as the money shows as sent and the recipient ( Chime ) received it, according to their statements. 

I took screenshots of my statements and sent them over, along with previous screenshots I had already submitted. 

XX/XX/XXXX : I contacted Chime support, and one representative told me that I would receive my money either that day or the next ( XX/XX/XXXX ). When nothing showed up by XX/XX/XXXX, I reached out to support again and was on the phone from XXXX XXXX to XXXX XXXX. The manager, XXXX, informed me that I wouldnt be receiving my money back and that it could take up to 90 days. This conversation was recorded. She mentioned that the previous representative did not follow the proper procedure. While I acknowledged this, I argued that since I was told I would receive the funds, I should still be given them. I also mentioned my background in Human Resources.

I asked to be transferred to a higher manager or someone from the dispute department, but XXXX refused, claiming there was no one else above her or in the dispute department, which I found hard to believe. 

During the call, I received the following information : Chime employee XXXX XXXX ( Follow-up for the investigation on the phone calls ) Reference number : XXXX ( Request directly to the resolution team to post a temporary refund ) After this, I reopened my case, as they had previously closed it. I called again the following Tuesday or Wednesday. The representative told me to expect an email from the dispute team with instructions on what additional information I needed to provide. Even though I had already sent XXXX statements, no one seemed to cross-reference them to verify that the money was sent from XXXX to Chime, not the other way around. They asked me to send more documents, even though I had already provided bank statements and screenshots showing the transaction. It didnt make sense to me, as I thought that was all the information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to address an issue with a recent deposit to my Chase account that has resulted in unexpected overdraft fees. in XXXX of 2024, a deposit of {$400.00} was made into my account, which I believed to be my payroll check. Based on the available balance displayed, I added these funds to my XXXX XXXX. 

However, I was later informed that these funds were not actually available, causing my account to go negative and resulting in multiple overdraft fees. I do not understand how this occurred, as I relied on the deposit being valid at the time of my transaction. 

I kindly request a detailed explanation of this issue and would appreciate if these fees could be reversed, as this was not an error on my part. Please let me know how this can be resolved at your earliest convenience. This situation has caused me significant inconvenience, as I relied on the deposit being available. To make matters worse, I have been turned down for new bank accounts by other financial institutions as a result of this incident. 


Thank you for your time and assistance. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I filed multiple disputes with Experian and eqifac regarding my disputes I filed. Some have been paid and closed and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been complaining and having mini phone calls with US Bank the US bank fraud liaison intake people with XXXX XXXX and number of other people Branch visits and XXXX talking to branch managers for over 2 hours yet I still have nothing resolved and according to the Ada Act that the bank should have had like XXXX XXXXXXXX or someone to help me since I have a communication XXXX yet every time I've said this for since what XXXX of XXXX last year I haven't got any help whatsoever I've been given any way to make to fill out my identity theft papers that were sent to me I just finally read the ADA Act title 2 which you guys have fallen short on multiple things that should have been addressed by US bank and your employees yet rules and your company is at fault and you guys are showing gross negligence with your consumers with XXXX and I would like to be compensated for my pain and suffering that I've had to endure and am still suffering from you staff performing fraudulent transactions and embezzling and laundering all of my social security XXXX. Money that I receive!!! over the past half a year it's a new year now that I have have been complaining to you about all of this yet nothing has been resolved I'm very upset and I can't believe you guys conduct your banking in this matter this is mind blowing and makes me extremely devestated!!!!!! I have call recorded bank staments from u and my XXXX and what card I had linked to my XXXX and everything you could think of because all of the transactions are false Maybe a little less than half of them are accurate so I don't know who in your company is messing with my transactions and stealing my money but please get to the bottom of this situation I'm begging you I don't see how you guys can take advantage of a XXXX XXXXXXXX XXXX girl the way you have been it's very frustrating and belittling 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 2025-02-04 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: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I have a bank account open with XXXX XXXX I have my XXXX XXXX  account link to my XXXX card account On XXXX XXXX someone withdraw fund from my XXXX account to my XXXX first transcation was of {$200.00}, second transcation was of {$600.00} third transcation was of {$990.00} then for XXXX XXXX  the transfer the money to another XXXX XXXXard which i dont know the person i i didnt do it after i was everything I call the bank made the complain they give reimburst that money back. On XX/XX/year> the back came a took back all the money they had reimburst whick left me With an overdraft XXXX i cant the back again did another complain they never reimbursted the money back an left my account over draft which i had to pay that money back to keep my card actived which i never did those transcatio i reported XXXX too and they say i was victim of fraud but not even XXXX gave me my money back and I dont think that i had to Pay all Of that money that was taken from my account which i never did does transcation

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