vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I sent The credit bureau my information I asked him to verify all of my information being accurate. I came back as verified. I checked my current report. But they did not remove them. 

XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX  ( Duplicate Entry ) Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ( multiple entries ) XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a formal complaint against Pentagon Federal Credit Union ( PenFed ) for misleading, deceptive, and predatory loan payment practices.

1 ) Misrepresentation of Payment Reallocation PenFed originally confirmed in writing that my extra payments would be applied to principal, then later reversed this without explanation.

They provided contradictory responses and refused to correct the misapplication of my payments.

This forced me into additional interest charges that should have been avoided. 

2 ) Deceptive Future Payment Scheme Their system automatically defaults extra payments to advance the due date instead of reducing principal.

This was never clearly disclosed, and I was misled into making payments that did not properly reduce my loan balance.

I was not given a clear option to apply extra payments toward principal until I manually discovered the issue.

3 ) Forced Use of an Internal PenFed Account for Principal-Only Payments After requesting to apply extra payments toward principal, PenFed suddenly imposed a new restriction that principal-only payments can only be made from an internal PenFed account. 
This policy was never disclosed when I refinanced my loan, and I never agreed to use a PenFed account for payments. 
This is a predatory attempt to force borrowers to keep money within PenFed while making it harder to pay down debt. 

4 ) New Late Fee Scam Principal-Only Payments Do Not Count Toward Regular Loan Payments On [ date ], I made a {$400.00} principal-only payment following PenFeds instructions by first transferring the funds to my internal PenFed account and then applying them to my loan. 
Now, PenFed is falsely claiming I still owe my regular payment ( {$100.00} ) or else I will be charged a late fee. 
This contradicts what I was previously told and is an unfair policy that penalizes borrowers for paying off their loans faster. 

This is a clear pattern of unfair and deceptive lending practices, and I am requesting a formal investigation into PenFeds handling of loan payments. 

Sincerely, XXXX 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 2025-03-19 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: FL

Complaint narrative:
I mailed a check in XX/XX/XXXX to payoff my entire balance of {$1900.00} for my Best Buy XXXX ( Citibank is the card issuer ). Although this check was mailed on or about XX/XX/XXXX to their XXXX XXXX XXXX the statement remittance copy ( in plenty of time to arrive by the XX/XX/XXXX due date ), my payment did not post it until XX/XX/XXXX ( as reflected on my XX/XX/XXXX statement ). The payment cleared my bank account on XX/XX/XXXX and was processed as an electronic ACH withdrawal ( because of this, my bank said that there was no image available of the canceled check since it was taken out electronically ). I was charged {$75.00} for a late fee/interest since they did not post the payment until XX/XX/XXXX. I called and requested the fees waived, which they did on XX/XX/XXXX ( as reflected on my XX/XX/XXXX statement ). I happened to log into my account online in XXXX, seeing the payment had been reversed and due to the fees/interest they added, I was over my limit ( as reflected on my XX/XX/XXXX statement ). I then received a letter dated XX/XX/XXXX stating that they needed proof of payment from me. I immediately called and spoke with customer service. On XX/XX/XXXX I faxed the proof of payment to them at the number the customer service rep provided. I never received any further communication regarding this. I logged into my account again online the first week or XXXX of XX/XX/XXXX and saw that nothing had changed. I uploaded my documentation using their " secure message center. '' I then received a second letter dated XX/XX/XXXX again asking for proof of payment. I called again and was informed that they had not received my proof of payment - either by fax on XX/XX/XXXX or their message center. I again faxed them proof of payment on XX/XX/XXXX. I called them on or XX/XX/XXXX to inquire as to the status of my dispute as when I had logged in online again, nothing had changed. They said they did receive my proof of payment, but did not know why nothing had been done yet. They said they would " escalate '' the issue ( after I asked to talk to a manager ). I logged into my online account again on XX/XX/XXXX and now the payment shows, but I still have a balance due of over {$160.00}, which is due to late fees/interest on their part for their failure to properly crediting my account. They said that they are either unable ( or more than likely, unwilling ) to reverse these fees, etc. I have requested that the account be closed, which I understand they have done already.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I made a cash deposit ( {$1400.00} ) into my Chase account ( on XX/XX/XXXX, approx. around XXXX ), using one of their drive-through ATM 's. The ATM encountered an error after I deposited my cash. Before the machine could show me how much money I deposited, the screen changed and gave an error message that said " This ATM is currently not working. In the meantime, you can use our Chase Mobile app to deposit checks, transfer money, find other ATMs and more. You can also see your receipts at chase.com '' The machine gave me a receipt, that didn't include my deposit amount but included identifying numbers for the ATM machine. I immediately called Chase customer service to start a claim. I was asked on the phone, to provide, what I assume to be the tracking number for the ATM. 

Fast forward, I get temporarily credited the {$1400.00} I deposited, 3 days later, on the XXXX of XXXX. As of yesterday morning ( XX/XX/XXXX ), Chase initiated a reverse deposit, and took {$1400.00} out of my account, because their investigation into the claim, showed that there were no errors with the ATM, or any additional funds in the diversion bin. 

This is simply untrue and false. How do you investigate the claim, and state that the ATM didn't encounter any errors, when I have picture evidence that the screen shows it's in an error state. I have been essentially, financially handcuffed, unable to buy groceries, and general necessities, because of an error from Chase 's business, for the second consecutive time now. Only to be told I'm wrong, and that the money I worked very hard for, is being taken away, once again. 

The way this has been handled is deeply unsettling and unfortunate, for me. I have to bear the brunt of Chase 's incompetence, not only once, but twice, having my life halted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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 2025-03-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a Accounts : XXXX XXXX XXXXXXXX Account # XXXX XXXX  date opened XX/XX/XXXX bal. {$1100.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$130.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-19 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 a Accounts : XXXX XXXX XXXXXXXX Account # XXXX XXXX  date opened XX/XX/XXXX bal. {$1100.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$130.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
The mistakes on my report are preventing me from accessing opportunities I should qualify for. Its incredibly frustrating to see my scores affected by errors that dont belong on my 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 non-monetary relief
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-03-19 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 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

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 2025-03-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Your company has made inquiries on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-19 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: AL

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

Company 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 2025-03-19 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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