vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In early 2024, XXXX XXXX XXXX XXXX XXXX XXXX  experienced a data breach that exposed sensitive personal information of millions of people. The breach involved the theft of Social Security numbers, names,

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 2025-02-09 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: GA

Complaint narrative:
In early 2024, XXXX XXXX XXXX XXXX XXXX XXXX  experienced a data breach that exposed sensitive personal information of millions of people. The breach involved the theft of Social Security numbers, names,

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 2025-02-09 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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I am writing to express my concerns about potentially misleading advertising practices related to credit card offers on your platform. 
Specifically, I am concerned about the use of terms like " guaranteed approval '' or the suggestion of a " {$50.00} XXXX card '' as an incentive to apply for certain credit cards. I believe these promotions XXXX be misleading, as they XXXX lead consumers to believe they are guaranteed approval or that they will receive a XXXX card regardless of approval status, which XXXX not be the case. 




I have attached copies of all my denied credit applications. These were all credit karma guarantee approval. I have yet to receive any allocated funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Email : XXXX Phone : XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Unauthorized Transaction Dispute with Chime To Whom It May Concern, I am submitting a formal complaint regarding an unauthorized transaction dispute with Chime. My account number ends in XXXX, and my claim ID is XXXX. The dispute involves an unauthorized debit transaction of {$500.00}, which I reported on XX/XX/2025. 

Despite providing all necessary information and documentation, Chime has denied my claim, stating that no error occurred without providing clear justification. This decision leaves me without the funds that were fraudulently withdrawn from my account.

Under Regulation E of the Electronic Fund Transfer Act ( EFTA ), financial institutions are required to properly investigate unauthorized transactions and provide provisional credit if an investigation takes longer than XXXX business days. Chime initially stated that I would receive a temporary credit if the dispute was not resolved by XX/XX/2025, yet I did not receive any such credit. 

I am requesting that the CFPB investigate this matter, as I believe Chime has failed to uphold its obligations under federal regulations. I also request that Chime provide a detailed explanation of their decision, along with any documentation they used to determine that no error occurred. 

Additionally, I have included a police report documenting the incident, as well as supporting documents and hospital records that further confirm the circumstances surrounding this dispute. These records serve as evidence that the unauthorized transaction caused financial and personal hardship. 

Please let me know if any further information is needed to support my complaint. I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Company has failed to respond to CFPB inquiries regarding a {$710.00} refund

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 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against Wells Fargo regarding the unauthorized reversal and illegal retention of my funds totaling {$1000.00}, which was transferred to XXXX XXXX XXXX XXXX on XX/XX/year>, and subsequently reversed by Wells Fargo XXXX XX/XX/year>, without justification. 

Prior to this reversal, I had closed my Wells Fargo accounts due to my relocation overseas, which was duly noted by a bank representative. Despite this, the transfer was reversed without notification or valid reason, resulting in significant financial harm, including a penalty of {$250.00} due to insufficient funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} for insufficient funds Reason for Account Closure : Relocation overseas Violation of Rights : Wells Fargo 's actions appear to violate consumer protection regulations under the Electronic Fund Transfer Act ( EFTA ), which safeguards my right to complete and authorized fund transfers without wrongful reversals or retention. 

Thank you for your time and assistance. Please contact me at [ phone number ] or [ email address ] if you require any additional information. 

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Iv written several complaints in regards to how my account is being manged. I recently deposited a check into my business account from a home owner. That check was flagged and returned. Iv included proof that my bank knew this check was flagged for a potential return and did nothing to stop it form happening. My bank knowing there was a problem never contacted me or reached out to me to notify me prior to the check being returned. They had ample time to do so. Instead I got a letter in the mail weeks after the incident. That alone proves that they could have reached out to me via phone call or email so that I could of called the home owner so he could call his bank. Simple fix. Instead my bank, in there negligence, did no such thing and allowed my account to ne red flagged, overdrawn and charged outrageous overdraft fees. 100 % purposely done to charge me nsf fees.

Iv spoken with XXXX at the fruad department. He acknowledged that was a mistake and said he would speak with his boss XXXX XXXX. I haven't heard anything since. Iv tried on several occasions to bring this to the banks attention and offered to pay the negative balance with a fair resolution. They refuse to investigate this properly. They are dragging out the process in hopes that I won't pursue any further. 
LET ME MAKE THIS CLEAR : I want to pay my negative balance! I have offered on several occasions to pay my balance and they flat out refuse to take my payment with a reasonable resolution. Instead they are going to let it hit my credit and further destroy me financially for me bringing there error to light. These banks have the power to destroy you financially. I'm struggling everyday to keep my business ahead of this insane economy and now I have to worry about my bank and there inability to handle fruad so they take it out on there customers with ridiculous non objective " systems '' that handle sensitive incidents like this. It's how they save money. They need a well funded department with hundreds of real people handling situations like this but instead they choose cost effective measures, like a computer system, instead real people. This is because there share holders need to be stuffed with enough money to keep them investing. Never mind the small business man who is the very reason they exist in the first place. This is a flawed and sick system that need sweeping change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute and request complete verification of a XXXX XXXX XXXXXXXX XXXX account appearing on my credit report. I received a collection notice without any supporting documentation, which I am attaching to this dispute. This unverified collection is currently preventing me from securing housing for my family. 
Critical Information : Property was sold on XX/XX/year> Account shows charges after the sale date Received collection letter without any debt validation No proof of debt ownership was provided No original contract or payment history included I formally request the following documentation : A. Original Creditor Documentation : Complete copy of original bearing contract with signatures Original account opening date Original account number Proof of coverage dates and termination Verification that charges are only for the period I owned the property B. Payment Verification : First payment date and amount Last payment date and amount Complete payment history Current balance calculation C. Transfer Documentation : Chain of ownership of debt Verification of collection authority Dates of account transfer Under the Fair Credit Reporting Act ( FCRA ), you are required to : Conduct a reasonable investigation Verify the accuracy of the information Provide all relevant documentation Remove any information that can not be fully verified This matter requires urgent attention as it is directly affecting my family 's housing situation. I request that this item be investigated and resolved within 30 days as required by the FCRA. If complete verification can not be provided, this item must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I got a loan as a equity loan from wellsfargo bank for {$71000.00} dollars.they held my note.the warranty deed, and the promissory note suppose to stay together.wellsfargo bank never filed the promissory note with the county successor office.wellsfargo bank held that note.and took it to the federal reserve got paid ten times the amount .off my note, from there there sols my note to other lenders.now they sold the note to XXXX XXXX and XXXX, and XXXX XXXX they have used my signature on other business dealings with out my consent.they all are in violation of fraud. And tax evasion, .this is a violation of the consumer as XXXX XXXX XXXX XXXX rights.and they never turned anything over of my mortgage documents over to the CFPB.this is fraud, this is a violation of 15 usc 1692f.and 15 usc 1682.and 15 usc 1681, and 15 usc 1681 A.and usc. 1692 .and I will be sending them a qualified written request. And I will be sending all lenders a truth of lender Disclosure letter. And they failed to file my note with XXXXas relistate investment mortgage investment conduit.and I will be sending them a cease and desist letter as well.for each violation it's {$1000.00} and I will be writing up another letter revoking my signature immediately.

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 2025-02-10 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: GA

Complaint narrative:
Its 6 credit inquiries on my credit report. Ive submitted request to have them removed. Inquiry details FRAUDULENTLY DONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

ACCOUNT # XXXXXXXX XXXX XXXX XXXX  : XX/XX/year> ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

ACCOUNT # XXXXXXXX XXXX XXXX XXXX  : XX/XX/year> ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-09 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: VA

Complaint narrative:
I am filing a formal complaint against TransUnion for its failure to conduct a reasonable reinvestigation and for its continued reporting of inaccurate bankruptcy information on my credit file. 

I have previously disputed this bankruptcy with TransUnion multiple times and have also filed two complaints with the CFPB regarding this matter. TransUnion has failed to provide proper verification and continues to report conflicting and inaccurate information. 

In response to my prior disputes, I furnished a letter from XXXX, which TransUnion previously stated was their source for bankruptcy records. However, XXXX confirmed on XX/XX/year>, that the bankruptcy is NOT on my credit file. This means TransUnion is either relying on outdated information or failing to verify its sources properly. 

Additionally, I have obtained a letter from the U.S. Bankruptcy XXXX XXXX XXXX XXXX, which clearly states that they do not verify information with any third party. This directly contradicts XXXX repeated claims that they have verified the bankruptcy as accurate. 

Despite these facts, I have requested numerous reinvestigations, yet TransUnion continues to send me generic responses stating that the bankruptcy has been " verified as accurate '' without providing any supporting documentation. 

I have also : Requested the specific documents and procedures used to verify the bankruptcy on two separate occasions I have not received any response. 
Requested the name and contact information of the entity or person TransUnion used to verify this bankruptcy this request has been ignored. 
Noticed that TransUnions correspondence dated XX/XX/year>, lists USBK Court in XXXX as the source, whereas previous reports listed USBK Court XXXX XXXX. This inconsistency raises further concerns about the accuracy and reliability of their reporting. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), TransUnion is legally required to conduct a reasonable reinvestigation and provide documentation supporting their findings. Their continued failure to do so violates my rights under the FCRA and is causing significant harm to my creditworthiness.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My information was leaked in the data breach over the past few years a few of times I just want things to be straightened out the correct way on my credit report including Mississippi child support reporting agency is incorrect and I will be greatly appreciated if things could be fixed correctly because I think its unfair to report child support on a credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 non-monetary relief