vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently discovered that [ Credit Card Issuers Name ] closed my account without providing prior notice, which I understand is a violation of the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ). According to the law, a credit card issuer is required to notify cardholders before closing an account, unless the closure was due to non-payment or other specific violations. 
To date, I have not received any communication from the issuer regarding the closure of my account, which I believe to be an unlawful action on their part. 
I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/year> I noticed that there was pending transaction of {$410.00} that was going to be taken from my checking account with the use of my debit card. I have NEVER stepped foot in a XXXX XXXX XXXX store nor do I have a reason to. I am XXXX and my husband has had a XXXX and has XXXX. We stay home, go no where. Everybody, friends and family can attest to that. I even have XXXX deliver my groceries. Anyway I called XXXX XXXX XXXX XXXX at the ph # that Wells Fargo put on the account and talked to a XXXX but she said she couldnt find anything either under my ph # nor my email. So I filed a dispute on XX/XX/year>. I kept checking everyday on the dispute but nothing showed on my file. I have NEVER had a dispute go this long and even then they would give a provisional credit, not on this one though. I got tired of waiting today so I called their claims department. XXXX told me they made a decision NOT to give the money back! I dont even know what a XXXX XXXX XXXX store sells other than what their name portrays. I am ready to clise my account and go with a credit union now. I couldnt buy my husbands meds last month and having to somehow make up {$410.00} I dont think he will get them this month. We still pay almost $ XXXXmo between mortgage, home insurance and sky high property taxes in Montana because of a greedy XXXX Governor who thinks people shouldnt be allowed to retire. He is for abolishing retirement. He would say that he is a million/billionaire who wasnt born here but more from California are moving here to keep pushing our taxes up and up.. sorry, got on a rant, anyway xant pay for my husbands meds the last couple months. I need my {$410.00} they stole. I have a feeling soneone in that division is stealong money that way and getting away with it.

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 2025-02-07 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:
Since XXXX to XXXX, Navy Federal CU has assessed {$3100.00} in fees for Overdraft, Return Item Fees ( NSF ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-02-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My name is XXXX XXXX. I opened a saves account with Goldman Sachs Marcus on XX/XX/XXXX. My account number ends in XXXX. I made three deposits totally {$13000.00} from my XXXX  XXXX XXXX account to earn an higher yield. At the end of that month, my online access was terminated. I called the customer service and was informed I need to be authenticated via a notarized letter. They sent me a letter, I got it notarized and I sent it back. After that, I called customer service again and then confirmed the receipt of the notarized letter. That whole authentication process took about three weeks. 

On XX/XX/XXXX, I received a letter from Marcus stating my account has been closed without any reason. After that, I called the customer service several times and they always told me they were processing a check for the funds back to me and it'd take 7-10 business days. 

On XX/XX/XXXX, I received a statement for my savings account. It showed my account balance is XXXX. 

Around XX/XX/XXXX, I called the customer service again and spoke to a supervisor. Her name is XXXX. She told me Marcus needed to verify my Bank of XXXX account. I stayed on the phone for three hours to contact XXXX  XXXX XXXX together with her and got the verification she needed. She informed me I should receive a check by XX/XX/XXXX. 

On XX/XX/XXXX, I still haven't received the check so I called the customer service again. They told me I need to be authenticated. I was quite confused because I was already authenticated previously via the notarized letter. I asked why I need to be authenticated again and how long would that take. They refused to give me any more information. 

On XX/XX/XXXX, I still haven't received the check so I called the customer service again. I spoke to a supervisor named XXXX. I explained my situation. She told me she put a note internally on my case saying I was already authenticated and funds should be returned to me as soon as XX/XX/XXXX. 

On XX/XX/XXXX, I still haven't received the check so I called the customer service again. I spoke to a supervisor named XXXX. She told me my account is still under investigation and there is no ETA for the investigation. She was unwilling to provide any further information. 

At this point, I feel quite hopeless because they don't give me any reason or timeline for the investigation. I don't know if I will ever receive my funds back. I'm under the impression they can keep claiming my account is under investigation and not giving my funds back. For me, that's equivalent to robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion, Equifax, Experian all will not provide me with credit reports or scores. In addition, they will not remove incorrect information from my credit files.

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 2025-02-07 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: AL

Complaint narrative:
Transunion, Equifax, Experian all will not provide me with credit reports or scores. In addition, they will not remove incorrect information from my credit files.

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 2025-02-07 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: KEYCORP
State: IN

Complaint narrative:
I stayed at the XXXX  XXXX XXXX in XXXX Indiana on XXXX XXXX XXXX and XXXX  XXXX XXXX in the month of XX/XX/year>. I stayed 2 weeks and was charged {$190.00}. Upon leaving my information had been stolen I was charged for another four consecutive weeks at {$350.00}. I've tried consistently to get this taken care of Key Bank has done nothing but closed that specific checking account and keeps telling me they will call me about it but they keep denying my claim. I've sent videos of the person in the act of stealing my information, as well as made a police report and a cfpb report. Nothing has happened I get transferred to somebody higher up at KeyBank and nothing ever happens. I'm promised to call back I've never received one I've had three interviews with their secretaries or assistance and they say the information will be passed on so I could receive a check because that account is closed and nothing ever happens not one call back. Initially I told them the first two charges were me and services were not rendered as advertised. They put that same excuse on all of the transactions even though I called several times and had it fixed and was told it was fixed but it was never fixed. I know this because the people when they read the dispute they tell me what it says and they tell me it says service is not rented as advertised for all six transactions but it's only for the first two and they say they'll fix it but they never do. I simply want my money back. I also do not want them to keep reporting that I have late fees and payments to the credit bureaus because it's hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information. 
Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information. 
Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made. 
However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule. 
12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

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 2025-02-07 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: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting XXXX  XXXX  Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information. 
Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information. 
Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made. 
However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly. 
Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule. 
12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
I noticed unauthorized and unverified collections on my credit report. In reference to codes 15 USC 6082, 15 USC 1681b, and 18 USC 1028a. This company has violated my rights. I have taken the necessary steps to remove this collection and it has not been removed. According to code 15 USC 1681 ( a ) ( 6 ) ( b ) ( iii ).

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-02-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX  XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I checked into the Hotel for one day on XXXX. The hotel OVERCHARGED me for my total stay, almost {$800.00}. The total they charged me was {$840.00}. I was advised that the total stay would be refunded as I was overcharged in error and that the refund would immediately appear within 7 - 10 business days from the date of checkout. Instead the transaction posted to my account for the full incorrect amount with nothing refunded back to the card. It posted as a transaction. The hotel Manager stated the funds would be returned both verbally and on written XXXX letterhead. The manager even stated they will write an additional letter to the bank to support the release of my funds. The manager advised they charged two cards. One card is the correct card ending in XXXX. The card ending in XXXX was not supposed to be charged beyond {$20.00} ONLY for an INCIDENTIAL HOLD, as the reservation was paid on another card. I was advised I would to be refunded the incidentals charge of only {$20.00} upon checkout to make the balance charged to my card ending in XXXX - {$0.00}. I was then shocked to find that I was charged {$840.00} in error. The hotel manager XXXX said the person who checked me in failed to merge my card to my present reservation that was paid online. Therefore creating another folio that charged my XXXX card in error for the same reservation already paid. Please see the XXXX Letter and the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed there were fraudulent accounts on my report. Please remove these accounts from my credit report they are hurting my ability to obtain credit.

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