vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint Submission to Consumer Financial Protection Bureau Account Information : Routing Number : XXXX Account Ending In : XXXX ( new account ) Account Ending In : XXXX ( existing account ) Account Holder : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue Description : I am submitting this complaint to express my frustration and disappointment with the customer service I have received from US Bank. Despite numerous attempts, I have been unable to speak with a manager to discuss my concerns. 

On XX/XX/year>, I noticed fraudulent activity on my account and contacted US Bank to report the issue. The bank opened an investigation, closed my main account, and opened a new checking account. However, when I attempted to deposit a check into the new account, a 10-day hold was placed on the check without explanation. 

As a result of the bank 's actions, I have incurred over {$150.00} in NSF fees. I believe it is unfair and potentially fraudulent for the bank to charge me these fees, given that the bank 's own actions caused the NSF fees to occur. 

I have made multiple phone calls and visited a local branch, but I have been unable to get a clear explanation for the hold or resolve the issue. In fact, when I asked many times to speak with a manager, I was told that the manager would not take my call.

Resolution Requested : I request that the CFPB assist me in resolving this issue by : 1. Investigating US Bank 's customer service practices and their handling of my account.

2. Requiring US Bank to provide a clear explanation for the hold on my check and to release the funds.

3. Ensuring that US Bank provides me with a direct line to a manager or supervisor who can assist me in resolving this issue. 
XXXX. Reversing all NSF fees incurred on my existing checking account ( ending in XXXX or any other account ) since XX/XX/year>. 
XXXX. Reversing any and all fees incurred on my closed main account since its closure on XX/XX/year>. 

Additional Comments : I am extremely dissatisfied with the lack of transparency and accountability I have experienced with US Bank. As a customer, I expect to be able to speak with a manager when I have concerns about my account. I believe that the bank 's actions have caused me significant financial harm, and I request that the CFPB take immediate action to address this issue. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-02-04 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: NJ

Complaint narrative:
These Account and inquiries are incorrect, since i do not recognize them, please investigate and delete them Account : XXXX XXXX  XXXX Account number : XXXX Balance : {$120.00} Date Opened : XX/XX/year> Inquiriers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name XXXX 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 EXPERIAN 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 personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( private case number ) as proof from the US 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/XXXX XXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/XXXX XXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed other inquries such as XXXX  inquiries for their credit cards and these auto loans finance which is capital one and XXXX XXXX which happen XXXX, that I never applied for ( XXXX ) it happen on XX/XX/year> and XX/XX/year>. I contacted chase about this before and told me they couldn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I noticed other inquries such as XXXX inquiries for their credit cards and these auto loans finance which is XXXX XXXXXXXX and Santander USA which happen XXXX, that I never applied for ( XXXX ) it happen on XX/XX/year> and XX/XX/year>. I contacted XXXX about this before and told me they couldn't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( Fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : **Demand for Immediate Deletion of Inaccurate Credit Reporting for XXXX XXXX To Whom It May Concern, I am writing to demand the immediate deletion of my XXXX accounts ( Account Numbers : XXXX and XXXX ) from my credit reports maintained by Experian, TransUnion, and Equifax. The inaccuracies present in these reports clearly violate the Fair Credit Reporting Act ( FCRA ), specifically under 602, 606, and 611, which require credit reporting agencies to ensure accurate reporting and rectify errors promptly.

# # # Inconsistencies Identified : 1. **Account Status Discrepancies** : - TransUnion shows the account status as **Closed** for both accounts, while Experian and Equifax report conflicting statuses . This inconsistency is unacceptable and violates FCRA 607, which mandates maximum accuracy in reporting.

2. **Payment Status Issues** : - Both accounts are marked as **Charged Off** ; however, the last payment dates are inconsistent across the bureaus, which further complicates my credit profile. This lack of consistency violates FCRA 607.

3. **Balance Reporting** : - The accounts reflect varying balances across the agencies, which is misleading and undermines the integrity of my credit report. This discrepancy is a clear violation of FCRA requirements for accuracy and completeness.

4. **Last Reported Dates** : - The last reported dates differ between the bureaus, creating further inaccuracies that compromise my creditworthiness. 

Given the severity of these violations and the harm they cause to my credit profile, I demand the immediate removal of these XXXX accounts from my credit report. If these inaccuracies are not corrected within the legally mandated time frame, I will explore all available legal remedies, including seeking damages for the harm caused by these reporting errors. 

I am also aware of the recent data breach affecting these credit reporting agencies, which further raises concerns about the security and integrity of consumer data. Under U.S. Code 1030, organizations are required to implement adequate measures to protect consumer data, and failure to do so necessitates immediate corrective action. 

Please acknowledge receipt of this complaint and inform me of any actions taken to rectify these serious issues. Thank you for your prompt attention to 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX Subject : Request for Reinvestigation of Account Information Under 15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( 3 ) Dear Equifax, I am writing to formally request a reinvestigation of the accounts listed below, which are currently reported on my credit file. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) of the Fair Credit Reporting Act, I am requesting that you verify the accuracy, completeness, and current status of these accounts. 
Account Information : Account Name/Number : XXXXXXXX XXXX Reported by : XXXX XXXX Date Opened : XX/XX/XXXX Amount Reported : {$1000.00} Account Name/Number : Portfolio Recovery Associates Reported by : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount Reported : {$660.00} I request that you verify the accuracy of these accounts information and provide a full and complete reinvestigation into these accounts. If you find any inaccuracies or incomplete information, I ask that you promptly delete the account from my credit file as required by law. 
As per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), I am entitled to a reinvestigation of these accounts and expect the results of your investigation, including any updated reports, to be provided to me in accordance with the time limits set forth in the Fair Credit Reporting Act.

Please let me know the outcome of the reinvestigations and any changes made to my credit report within the required time frame. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of any errors. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax, TransUnion, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion, and Experian consistently responds within 24hrs stating the account is " accurate '', but refuses to provide any type of requested evidence of a thorough investigation. 

According to consumer rights, this violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

Furthermore, Equifax, TransUnion, and Experian 's actions may also contravene the Consumer Financial Protection Act (

CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX  ) against them for similar violations.

I STRONGLY request that the CFPB take IMMEDIATE action to ensure Equifax, TransUnion, and Experian complies with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> {$970.00} cashapp Would not reverse the misleading website I sent XXXX to Also they could not disclose the address this XXXX XXXX was sent from. They stated it is sent from a bulk purchase! Seriously pegging the cash built into a raw transaction call. Deeming them-cashapp as owners of my given XXXX address due to seed phrase/ownership NOT my own! Tricky tricks.

Company response to consumer: Closed with explanation