vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: Chime Financial Inc
State: PA

Complaint narrative:
Hello My name is XXXX XXXX I have a checking account with Chime. My direct deposit comes to chime on the day that my direct deposit came I withdraw {$400.00} out at XXXX bank atm at the XXXX on XXXX in XXXX. When I try to withdraw no money dispense out the machine. No receipt or anything came out. Which made me check my account when I look in my account the {$400.00} was gone. I try to speak with the XXXX at XXXX to let them know what happened they said they could not help me call your financial advisor. So I did I called them on XX/XX/XXXX the day it all happened. The dispute didnt go through until XX/XX/XXXX when I talk to them I explained what happened and the said it can take up to XXXX 20 days for the investigation to go through. Okay XXXX patiently waiting. On XX/XX/XXXX chime put the money back in my account but the next day the money was reverse and it said an adjustment had been made chime let that same atm machine take the money back out of my account and left my account with a negative balance of {$99.00} I reach Back out to chime to let them know what happened again. The said they would not be able to help me until the dispute was over with would now be on XX/XX/XXXX now when XX/XX/XXXX gets here it said the dispute was approved but I never received the {$400.00} back into my account. Today is XXXX XXXX I still havent received my funds chime has cause me so much heart ache within these last couple months I miss a payment of me paying my rent on time and I just been on the phone with them everyday and we have not come to no solution. I am a hard working citizen. Everytime I talk to the people at chime they keep transferring me to all they different representatives and I get no help half of them dont know what Im talking about so I have to repeat step by step everyday what has happened to me. Times are hard and I really just need help. I have all my screenshots from the first day of this happening to me please help me I just want my money back and I will not deal with chime no more in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Letter Regarding Civil Negligence and Non-Compliance Dear Experian Dispute Department, I am writing to formally dispute inaccuracies and address concerns regarding negligence and non-compliance in the handling of my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a duty to ensure that all information reported is accurate, fair, and compliant with federal standards. 

Upon reviewing my credit report, I identified the following inaccuracies and errors : 1. Prestige Financial, incorrect account information, duplicate entries, inaccurate balance or payment history, etc. ] Despite my previous attempts to resolve these issues, no corrective action has been taken. This demonstrates negligence on your part to comply with your legal obligations under the FCRA, specifically Section 611, which requires prompt and thorough investigations into disputes. 

This lack of compliance has caused the impact, e.g., financial harm, stress, denial of credit, higher interest rates, etc. ]. I request that you take the following actions immediately : Reinvestigate the items listed above. 
Remove or correct the disputed information. 
Provide a written response with the results of your investigation, along with an updated credit report. 

Please find enclosed copies of supporting documentation, If the requested corrections are not made within the 30-day period required by law, I will be left with no option but to pursue legal remedies for civil negligence and non-compliance. 

Thank you for your prompt attention to this matter. I look forward to your written response. Please contact me at XXXX, XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America thinks my parent is dead... .again! 

Mom ( XXXX XXXX XXXX age XXXX ) is in XXXX XXXX at XXXX XXXX facility in XXXX, XXXX. She is XXXX and I am her conservator. I manage her pension, other fixed income, and bank account. 

According to them, she died spring of last year ... and then again in XXXX... again in XXXX, and now with the new year comes her newest death. 

Each time this happens, I spend hours of my life attempting to unfreeze her accounts in order to cover the cost of her care, as intended. 

I also can not close her account, despite the conservatorship papers giving clear authorization. Have already diverted her forthcoming checks but there is still a significant balance in that account that we need access to. 

I have notarized and signed every form they have put in front of me. I have submitted every proof of life and doctors letter. Each time they have to spend eons going over their " notes '' and once things get fixed, they " hope '' this doesn't happen again. 

I'm ready for a small claims judge to demand they show proof of her death because her proof of life clearly isn't enough to prevent this from happening next month and the month after. 

Her credit is locked, she has no other banks or accounts, social security lists her as alive and well. 

Current consequences : Late fees for her housing and care XXXX pay or quit ( she is in danger of losing housing )

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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MO

Complaint narrative:
I don't know who this company is. I received no notifications to dispute, no letters in the mail. No validation .not anything..I 'm not aware of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-01-29 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MA

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 2025-01-29 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: MS

Complaint narrative:
CAUSE OF ACTION VIOLATION OF THE FAIR CREDIT REPORTING ACT XXXX. XXXX failed to maintain and follow reasonable procedures to ensure the accuracy of Plaintiffs credit report, violating 15 U.S.C. 1681e ( b ). 
XXXX. XXXX failed to properly investigate and prevent the reinsertion of inaccurate information, violating 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 

DAMAGES XXXX. As a result of XXXX actions, Plaintiff has suffered : a. Harm to their credit reputation and score. 
b. Emotional distress and frustration. 
c. Denial or unfavorable terms on credit applications.

RELIEF REQUESTED WHEREFORE, Plaintiff respectfully requests : 1. Actual damages in an amount to be determined at trial.

2. Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n.

3. Punitive damages for willful noncompliance.

4. Attorneys fees and costs.

5. Any further relief the Court deems just and proper.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
CAUSE OF ACTION VIOLATION OF THE FAIR CREDIT REPORTING ACT XXXX. XXXX failed to maintain and follow reasonable procedures to ensure the accuracy of Plaintiffs credit report, violating 15 U.S.C. 1681e ( b ). 
XXXX. XXXX failed to properly investigate and prevent the reinsertion of inaccurate information, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

DAMAGES XXXX. As a result of XXXX actions, Plaintiff has suffered : a. Harm to their credit reputation and score.

b. Emotional distress and frustration.

c. Denial or unfavorable terms on credit applications.

RELIEF REQUESTED WHEREFORE, Plaintiff respectfully requests : 1. Actual damages in an amount to be determined at trial.

2. Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n.

3. Punitive damages for willful noncompliance.

4. Attorneys fees and costs.

5. Any further relief the Court deems just and proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: DISCOVER BANK
State: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 significant funds when transactions were authorize, I was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient funds balanced despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions Into my account transactions 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 2025-01-29 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: LEXISNEXIS
State: MD

Complaint narrative:
This company have cause me problems getting a loan and car insurance because of incorrect information they are giving companies about me. In XX/XX/XXXX XXXX rote them to block giving out any information to anyone and they still doing it. 
XX/XX/XXXX they gave progressive insurance a list of accidents they have on my report and was denied car insurance. I havent have an accident form XXXX, they did the same thing in XX/XX/XXXX with nationwide insurance and they canceled me. 

On XX/XX/XXXX I filled out a form on the companies website to get a the report they are giving out to these companies and on XX/XX/XXXX they sent me a letter that makes nose sense, I have tried calling and no customer services to help all messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Since XX/XX/XXXX, I have been calling Mohela and FSA about several years of missing payments in my history. They would blame each other. Now FSA is in charge of the PSLF payment counts. 

The missing time period is XX/XX/XXXX through XX/XX/XXXX. That time period doesn't exist for my PSLF counter and my XXXX counter. It should be present for both. Picture attached. 

I was employed by a qualifying employer and made payments to consolidated FFELP loans during that time period. 

I consolidated again to get into PSLF which caused the payment count to reset. That was XXXX. 

The IDR One-Time Payment Adjustment, which was announced in XX/XX/XXXX, was supposed to restore those years of missing payments made with qualifying employer if you loans are currently held by FSA and are consolidated, which my loans are. XXXX XXXX XXXX XXXX  ) Recently, I resubmitted my ECF forms from that time period and they still aren't counting them. I have a boilerplate statement from them saying those payments don't count because they were FFELP at that time. That document is attached.

However, I was given credit for five months, XXXX when I was previously employed by another qualifying employer and held consolidated FFELP loans at that time ( that picture is attached ). I should have credit for those missing years in my payment history. 

I have filed several complaints ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with FSA which go nowhere. I should have been at XXXX at XX/XX/XXXX and my loans should be forgiven. I have working to get this resolved since XXXX. Any help is appreciated. Mohela and FSA aren't providing the quality service their clients deserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On my credit reports there are names and an addresses that do not belong to me. There are late payments and unauthorized transactions that Im aware of that has not been removed. Im asking all parties to remove negative items and unknown addresses and names from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
There has been a bankruptcy disclosed on my credit report, that should not be there, this took place in XX/XX/year>. After some phone call inquires, credit bureaus did state I would have to appeal before removing the bankruptcy. To my understanding it is not to br reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
There has been a bankruptcy disclosed on my credit report, that should not be there, this took place in XX/XX/2021. After some phone call inquires, credit bureaus did state I would have to appeal before removing the bankruptcy. To my understanding it is not to br reported.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
Received XXXX XXXX forms from Block , Inc that had a total of XXXX total transactions all in the month of XXXX of 2024 with a total amount of {$6300.00}. 
I have never used cash app or block inc for any type of transactions, nor had an account setup. I asked them to freeze the account that was fraudulently opened under my name. 
They offered no help to stop the account and insisted I give them all my important information to begin to open an investigation. 
I asked to have them furnish proof of these transactions, and why they were processed in XXXX month and they couldnt give me any information. 
They stated they opened up an investigation, when asked about it and provided the case number given to me by them they have no records of it. 
They told me there isnt anything they can do and just submit information saying my social security was stolen. 
I called the IRS and filed forms stating these forms are fraud, also the social security XXXX and federal trade commission for stolen identity because I had no other choice. 
It appears they have already had a hefty lawsuit filed against them but the fraud is still not stopped because this has been happening to a lot of people just like me. 
Companies like this should be shut down for allowing things like this to continue to happen after they have already been sued for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accurate : XXXX : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Equifax : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accurate : Experian : XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX : XXXX XXXX XXXX XXXXXXXX - 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