vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
I'm writing to bestow my XX/XX/XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-01-22 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 recently reviewed my credit report and noticed multiple inquiries from lenders that I did not authorize. I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: DE

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/XXXX Marcus by Goldman Sachs sent me e-mail correspondence saying that I needed to call them in regard to my account. Concerned I promptly called them the same day. I was transferred from specialist to specialist - the call ended with since it was XXXX day the department that could handle my account was " not available '' and I could try calling back. 

On XX/XX/XXXX I spoke with a representative who informed me that my account had been closed and it was because my account was " dormant '' -- meaning I had not made any outgoing or incoming transactions. This is a high yield savings account, so my intention was to build interest and save hence why there was no activity on the account. I told the representative that I was unaware I HAD to make transactions monthly and I would do so moving forward. She stated that she would note my account and that XXXX would make a final determination in a weeks time to either keep my account open or close it indefinitely. 

On XX/XX/XXXX I called XXXX and was told that the determination was made and my account was to be closed. Then they told me that they could not specify why my account was being closed but per their privacy agreement they had the right too. They told me that my account was set be closed but it still had to go through the process of being closed. I provided the representative with my mailing address and she said a check would be disbursed within XXXX business of the date of the call. 

As of today XXXX XXXX -- I called Marcus by Goldman Sachs to follow up on the status of the disbursement. I was told that a check was not disbursed the notes that were on my account were " unclear '' and that my account needed to be forwarded on back to the review/investigation department. I asked what needed to be investigated if they made the determination of my account to be closed and already agreed to send the funds via check on XX/XX/XXXX. They said that the only reason my account was being forwarded to the review /investigation team was because this was the only department who could issue payment and they need to be sure the funds get to me. I have been getting conflicting information every time I get on the phone with Marcus by Goldman Sachs. 

This information was from a supervisor and she informed by that she could not and would not give me any time line on how long it would take to review and the check actually get disbursed. She said that Marcus by Goldman Sachs will contact me which they never have. .This has been incredibly frustrating as my only intention was to save my money and I chose the company because they had a competitive interest rate. I have. been left in the dark as to when I will get my money back. They have locked my account since XXXX of XXXX, leaving me with no access to my funds. 

I was able to get a case number of # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

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 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 2025-01-21 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 for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/year>2025 someone used my information debit card and bought for {$550.00} i didn't authorize any of transactions. That person went once an a Target in New Jersey and Twice in Target in New York. when i contacted the bank, they said the transactions appear to be authorized because a valid pin number was utilized at that time of the transaction.that 's why they not will give me back that money, but i never gave anyone my card and my pin too. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 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.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX, XXXX will not give me a credit score and XXXX state I haven't been in the country for 10 years. I'm sorry but because of all the data breach with all the credit bureau my name is on the data breach, my name is on XXXX data breach, onXX/XX/XXXX and XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, some was trying to buy a house in my name in New Mexico this has been a nightmare. All of these breach because of the credit bureau is when it first start. I am homeless because of all these data breach. I need a credit score it is my right to be able to function. This isn't how you treat your military family member who have served and protected this country. How much does my family have to lose. I am suffering from contaminated water dealing with XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On either XXXX/XXXX/24 I lost my phone along with my Wells Fargo bank card and thats when fraud began using my bank. 
XXXX/XXXX/24 my card was used at am Wells Fargo atm for the amount of XXXX $ XX/XX//24 my card was used again at an atm for XXXX $ XXXX/XXXX/24 my card was used at XX/XX/XXXX for {$200.00} XX/XX/24 my card was used at an ATM for {$200.00} XX/XX/XXXX/24 {$3.00} XX/XX//24 {$200.00} non Wells Fargo atm XXXX/XXXX/24 {$3.00} XXXX/XXXX/24 {$200.00} non Wells Fargo atm XX/XX/24 {$3.00} XX/XX/24 {$200.00} non Wells Fargo atm XX/XX//24 {$3.00} XX/XX/24 {$100.00} non Wells Fargo atm XXXX/XXXX/24 {$3.00} XX/XX//24 {$1000.00} Wells Fargo atm XX/XX//24 {$100.00} XXXX XXXX/XXXX/24 {$1000.00} Wells Fargo atm XX/XX/24 {$1000.00} Wells Fargo atm XXXX/XXXX/24 {$1000.00} Wells Fargo atm XXXX/XXXX/24 {$200.00} XXXX XX/XX//24 {$200.00} XX/XX/24 {$1000.00} Wells Fargo ATM XX/XX/24 {$1000.00} Wells Fargo atm XX/XX//24 {$1000.00} Wells Fargo atm XX/XX//24 {$770.00} atm

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime credit card advertise, that it will help boost your credit. In fact it does the opposite. It harms your credit before boosting your credit. They do not state in the terms or conditions that you would take a great hit while applying for this card as well as closing this card after finding out Its advertising quote boost your score, was false. Now Im being penalized for their false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 44 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

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 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations 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 2025-01-22 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: WI

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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate costumers 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 the 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 Electronic fund Transfer Act. ( EFTA ) and Regulations E .These actions have caused significant inconvenience and financial loss, and I seek appropriate readiness for there violations.

Company response to consumer: Closed with explanation