vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XXXX XXXX, I experienced unauthorized transactions on my XXXX XXXX Cash App account. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this situation has caused significant distress and exacerbation of my XXXX XXXX. Here 's the sequence of events : I detected unauthorized activity on my account and immediately reported it to Cash App Support in XX/XX/XXXX Filed a police report with XXXXXXXX XXXX XXXX ( Case # XXXX ) Despite my XXXX XXXX and documented XXXX, Cash App : Dismissed fraud claims without proper investigation Caused increased XXXX  through repeated denials and negative balance notices Ignored my XXXX  XXXX  and related protections Refused to close the account when requested Continued sending harassing negative balance notices from XX/XX/XXXX through XX/XX/XXXX This case aligns with the CFPB 's XX/XX/XXXX findings of " woefully incomplete '' fraud investigations by Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, On XX/XX/year>, a friend sent me {$150.00} via PayPal, but the funds were placed on hold for several weeks. Later, I received an email notification stating that the funds were now available. However, when I attempted to log in to withdraw the money, I found that my account had been permanently locked. 

This is a business account, and I am unable to access the funds, which has been quite frustrating. I would greatly appreciate any assistance or guidance on resolving this issue and retrieving my money. 

Thank you for your time and support. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I recently reviewed a copy of my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my 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
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received an email from chime at XXXX on XX/XX/XXXX stating Following a recent review of your Chime Checking Account opened on XX/XX/XXXX, we regret to inform you that we have closed your Chime Account ( s ). 

At XXXX on XX/XX/XXXX I called the customer service number provided in the email XXXX. 

I was told my account was closed do to suspicious account activity such as money loads and that my account was not eligible to be re opened. 

I requested to speak with someone about fighting this decision because I had not done anything out of the ordinary with my account and I filed my taxes through Chime and my refund is supposed to be deposited to that account, as well as the fact I had money in that account. They said they would transfer me to someone I could speak with and I got disconnected. I went though this calm process a second time with the same outcome. I then sent their customer support email a message requesting the same information and was given the reply to call the number I already called.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-01-28 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: AZ

Complaint narrative:
Current {$660.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX below are a list of accounts I disputed due to fraud, and feel as if they were not fully investigated and was give a automated response, just saying accurate, and I have disputed more then once with the credit companies, this is really hurting my credit XXXX XXXX XXXX Opened XX/XX/XXXX {$70.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$890.00}

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 2025-01-28 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: AZ

Complaint narrative:
Current {$660.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX below are a list of accounts I disputed due to fraud, and feel as if they were not fully investigated and was give a automated response, just saying accurate, and I have disputed more then once with the credit companies, this is really hurting my credit XXXX XXXX XXXX Opened XX/XX/XXXX {$70.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$890.00}

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: CA

Complaint narrative:
I saw this on my credit report and reached out to the school, they said it was out of their hands I needed to contact creditor listed on 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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent the company a validation letter and they never responded. I asked them to send me an original contract with my wet signature. I asked for payment history I asked for chain of ownership I ask could they prove that they can collect the debt in Ohio? They did not respond so under 15 USC 1692G all communication must ceased until they do respond and Im not responding stands as truth that a debt is not owed there are XXXX accounts. The account numbers are on the letter that I uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft/nsf fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt 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 non-monetary relief
Consumer complaint received 2025-01-28 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: WI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XX/XX/ 2025 To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX  XXXX Unverified Account XXXX. XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Late Payments * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block inc. ) due to inaccurate customer service and unfair practices, which violate the Comsumer 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 comply with error resolution requirements under the Eletronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and Finacial loss and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of a data brench all my info was stolen an somebody i become a victim of fraud an identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 proce 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 ( 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 2025-01-28 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX  to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  XXXX  to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The reason why Im writing is because I have an overdraft fee of {$35.00}. I been having issues with XXXX I was not able to XXXX  myself the money to fix my accounts negative with Wells Fargo it was not my fault I was not able to fix my account before the overdraft fee hit. Im not for sure what is going on with XXXX  but Im working on resolving it because the last couple of weeks I been having issues. I would like my {$35.00} in overdraft fees back please. I have fixed the negative in my account I had to figure out another way since when I XXXX  myself it hasnt been working. Thank you for your time. Have a wonderful day!!

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 2025-01-28 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: CO

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
This account with 1STPROGRESSXXXX XXXX XXXX XXXX XXXX XXXXXXXX, this account was a secured credit card with an original balance of {$500.00}, I closed this account in XXXX of XXXX and advised the Credit Card Company 1STPROGRESS/XXXX that I wanted to close my XXXX secured credit card accounts because the company was not practicing best practice. The information that this company is reporting is incorrect. This account was never charged off in XXXX, and this account was closed in XXXX of XXXX 1STPROGRESS/XXXX  is reporting wrong and malicious information. I have written to them and contacted them via phone to advise them of their errors that need to be removed entirely. My next step is to contact my attorney and bring legal action against this company 1STPROGRESS/XXXX because they are not reporting correct information. 
How was account XXXX charged off in XX/XX/XXXX? Those are lies and malicious information thats not correct, period, and this is being reported to the credit reporting agencies. Now, do you think it's right for this company to do this to my credit report? 

Payment history guide Charge Off as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation