vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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:
THIS XXXX ACCOUNT HAS BEEN REMOVE FROM MY REPORT AND INSERTED BACK ON MY REPORT WITHOUT PROPER KNOWLEDGE OF IT. PER FCRA THEY HAVE TO LET ME KNOW FIVE DAYS WITH WRITTEN NOTICE ABOUT REINSERTION. ALSO I HAVE 1099 C FROM IRS WITH CANCELLATION OF DEBT FROM XXXX # XXXX. THIS SHOULD NOT BE REPORTING I ITS A TAX WRITE OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Formal complaint about XXXX Citi credit card 's interest charges : I have had this card for many years and never missed a payment. In XXXX XXXX of my payment was short as per Citi. I had spent XXXX for the month ending on XX/XX/XXXX and I was short in my payments by couple of XXXX dollars. 

XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$47.00} On XX/XX/XXXX I noticed an interest charge and made an excess payment which would pay off previous balance in full and a lot more. I called Citi and they reversed the above interest charge. 

On XX/XX/XXXX I see another charge on my account even though I had paid off balance due by XX/XX/XXXX IN FULL. 
XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$45.00} I called Citi about this charge and they did not give any reasonable explanation on why these charges were applied again. It seems they are charging me money just for having a revolving balance on the card which is being paid off from time to time. Here 's my payment history of regular payments being made throughout my billing cycle. 

XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$2000.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$2000.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$600.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$600.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU - {$500.00} This is extremely unethical behaviour by Citi to charging a customer interest fees in amount of {$47.00} + {$45.00} twice for being short by couple XXXX once.

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 2025-01-30 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: AL

Complaint narrative:
I am writing this complaint due to Navy Federal credit union regarding overdraft fees I have incurred. Saying I have funds available, but really theyre insufficient. This issue aligns with the CFPB finding against Navy Federal for transaction settle with insufficient balances available due to funds. I believe its unfair and request a investigation on the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
At the point an time when this account was open I was XXXX  in the XXXX XXXX XXXX XXXX I was released on XX/XX/year> after serving a 11 year sentence this is not my account I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently noticed a fraudulent inquiries been places into my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding unauthorized transactions on my XXXX XXXX XXXX  account that were processed through Cash App. On XX/XX/year>, I was contacted by a representative from XXXX XXXX XXXX  corporate office, XXXX, regarding suspicious check deposits being processed after hours through Cash App. At the time of the call, my account was approximately - {$800.00}, but I was informed that these transactions had been occurring for weeks and that my negative balance would eventually exceed - {$8000.00}.

I was told that these transactions were being approved and processed after hours without my knowledge or authorization. Despite this, XXXX XXXX XXXX stated they could not stop or block the fraudulent transactions, nor could they put a hold on my account. I was advised to contact Cash App, as they were responsible for processing these unauthorized checks.

When I contacted Cash App, I was met with dismissive and unhelpful responses. Their representatives refused to provide clear information regarding the type of charge that made me liable and transferred me multiple times, each interaction becoming more demeaning. Despite my insistence, no one could explain why Cash App approved fraudulent checks or why they refused to assist me in recovering my stolen funds. They also implied that I must have shared my credentials, which I did not.

Further investigation revealed that multiple fraudulent checks were processed just below {$450.00} each to avoid triggering fraud alerts. Cash App failed to detect or prevent this pattern of fraud, and XXXX XXXX XXXX  refused to intervene. As a result, I am now facing severe financial hardship, eviction, and homelessness, despite having been financially stable before this fraud occurred.

I have attached documentation, including : My initial communication with XXXX XXXX XXXX  on XX/XX/year> Bank statements showing the fraudulent transactions The banks final response after its internal investigation Proof of financial hardship and eviction proceedings I am requesting a full investigation into Cash Apps handling of these unauthorized transactions and XXXX XXXX XXXX refusal to protect my account. Additionally, I am seeking a resolution that includes the reversal of fraudulent charges and an acknowledgment of both Cash Apps and the banks failure to prevent financial harm.

This situation has left me in a dire financial position, threatening my housing, livelihood, and well-being. I urge the Consumer Financial Protection Bureau to take immediate action to hold these institutions accountable and prevent further harm to consumers like myself.

Please let me know if you require any additional documentation. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

XXXX XXXX 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 2025-01-30 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

XXXX XXXX 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 2025-01-30 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: NY

Complaint narrative:
Dispute of Non-Compliance Under the Fair Credit Reporting Act ( 15 USC 1681 ( o ) ) Dear I am writing to formally dispute a violation of the **Fair Credit Reporting Act** ( FCRA ), specifically under **15 USC 1681 ( o ) **, which outlines civil liability for negligent non-compliance with the obligations of the Act. I have identified an instance of non-compliance by your company that is negatively impacting my credit report and does not meet the requirements set forth by the FCRA.

This issue is causing tangible harm to my credit history and my ability to access fair financial services.

As stated in **15 USC 1681 ( o ) **, consumers are entitled to protection against negligent non-compliance with the provisions of the FCRA . I request that your company promptly investigate and correct the inaccurate or mishandled information in accordance with the procedures set forth by the law. Additionally, I expect written confirmation regarding the actions taken to rectify the issue within the timeframes specified by the FCRA.

Please be reminded that under the aforementioned statute, negligent non-compliance may result in civil liability, including compensatory damages, which can be claimed by affected consumers. I hope this matter can be resolved without the need for further legal action.

Thank you for your prompt attention to this matter. I look forward to your response within the time limits established by the FCRA. 

Sincerely, XXXX 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 2025-01-30 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for knowingly engaging in inaccurate, misleading, and unlawful credit reporting practices that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX has been illegally reporting a charge-off every month for the past 48 months ( 4 years ), when in reality, a debt can only be charged off oncenot repeatedly reported as a new charge-off each month.

FCRA Violations Committed by XXXX XXXX : 1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers are required to report accurate information. Repeatedly reporting the same charge-off every month is factually inaccurate and
misleading.

2. Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX has failed to conduct a reasonable investigation to ensure accurate reporting despite this clear error.

3. Violation of 15 U.S.C. 1681n & 1681o : XXXX XXXX continued misreporting has caused undue harm to my creditworthiness, directly impacting 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
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was a victim of fraud with a company that had me invest funds into a crypto account. I ended up signing a contract that took some of my personal information along with my credit score. After signing the contract I was told that I needed to send the company XXXX in order to access my funds from the fake crypto account that was made for me. Refusal to send the money, I received treats from the scammers and ended up sending them around {$15000.00}. After fully finding out the company was a scam after they froze my assets and closed off all communication with me. I filed a claim with chase bank to get my money back. I filed multiple claims ranging from different amounts of money I was sending throughout the scam process. One for {$1000.00}, another claim for {$1800.00} and another debit card claim for {$2100.00}. They completed the initial claim for {$1000.00} and refunded my money back but they denied my claims for the {$1800.00} and {$2100.00}. Doesn't make sense how all claims were for the same reason but the higher amount were denied. They provided temporary credit to my account for all those amounts but now are removed the {$3100.00} from my account after a month of processing my claim. I also filed for 2 claims for wire transactions totaling {$6200.00} that they also denied because the 3rd party company that received the wire transfers denied the return of assets. Which is also the same company I sent my debit card transactions to where I filed the other claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX BALANCE {$3200.00} ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX - XXXX XXXXXXXX XXXX BALANCE {$750.00} ACCT # XXXX - XXXX XXXX  BALANCE {$600.00} ACCT # XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$2000.00} ACCT # XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$860.00} ACCT # XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$3100.00} ACCT # 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 2025-01-30 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account reported by XXXX XXXX on my credit report. While the account is listed as charged off, I was never provided a 1099-C form as required by the IRS when a creditor cancels a debt of {$600.00} or more. This lack of documentation suggests that the debt may not have been truly forgiven or written off, making the reporting inaccurate and misleading.

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 2025-01-30 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: 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 Account number : XXXX 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 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 2025-01-30 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: 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 Account number : XXXX 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 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 2025-01-30 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX this inquiry is not mine please remove it from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-30 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: PA

Complaint narrative:
I need a update on all my open claims disputes and for all my closed disputes I need them to be reopen and investigation again I disagree with the decision thats was made and for all my open disputes too if they are denied reopen them too and investigation them again because I disagree with the decision too my name is XXXX XXXX and then give me a update on all my claims that was reopen and investigation again etc.

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