vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response. I require a written reply within reasonable detailing the steps being taken to address this matter. 

Failure to act will only reinforce the need for stronger regulatory oversight and legal consequences for those who fail to protect consumers. I urge you to take this matter as seriously as I do and respond accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: SC

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face.

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response. I require a written reply within reasonable detailing the steps being taken to address this matter. 

Failure to act will only reinforce the need for stronger regulatory oversight and legal consequences for those who fail to protect consumers. I urge you to take this matter as seriously as I do and respond accordingly.

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$450.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. XXXX  XXXX contains the email I received from U.S. Bank, which clearly outlines the terms and conditions of the promotion. 

Moreover, XXXX  XXXX displays my U.S. Bank transactions, demonstrating that I opened the account and setup deposited an initial amount of {$250.00} on XX/XX/year>. Furthermore, I successfully completed 4 qualifying direct deposit transactions, exceeding {$8000.00} in total, thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, but to no avail. It has been over 4 months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. And they are still promoting the same offer online right now ( https : //www.usbank.comXXXX  ) Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$450.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am filing a complaint against America First Credit Union for failing to stop an automatic withdrawal after I followed all procedures and paid the required fee. 
On XX/XX/scrub> 2025, I went to an America First branch and requested a stop payment on an automatic withdrawal from XXXX XXXX XXXX XXXX, related to an auto loan that was already paid off. I spoke with a teller, paid {$15.00}, and received a receipt. 
Despite this, on XX/XX/scrub>, 2025, {$500.00} was withdrawn from my account by XXXX. On XX/XX/XXXX, I went to a different America First branch and spoke with XXXX XXXX, a branch manager, to find out why the stop payment failed. He told me they could not stop it and that I needed to go to XXXX. He offered to refund my stop payment fee, but I declined because I wanted the withdrawal to be stopped-not refunded. 
I am requesting an investigation into why the stop payment failed and why I was charged for a service that was not delivered, causing me financial XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 submitting this formal complaint against Block , Inc., the parent company of Cash App, for their failure to comply with federal consumer protection laws related to electronic fund transfers and fair dispute resolution processes.Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable to unauthorized access and transactions. Despite promptly reporting the issue to Cash App, I received no response and no investigation was initiated.

This lack of action violates the error resolution procedures outlined under the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation E. Specifically, Cash App did not acknowledge or investigate the unauthorized transaction, nor did they issue any provisional credit or final resolution within the legally mandated timeframes. 
Additionally, the failure to respond constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ), as I was denied the protections and remedies guaranteed by law.

Due to Cash Apps inaction, I experienced significant financial inconvenience and potential loss. The unauthorized access to my account could have been prevented or mitigated with proper fraud monitoring and customer service procedures.

I respectfully request that the CFPB investigate this matter and take appropriate enforcement action to ensure that Cash App adheres to its obligations under federal consumer financial law. I also request that Cash App be required to compensate me for these infringements on my account ( s ) Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: CA

Complaint narrative:
Something was wrong with my cashapp card and I called one of there service lines and when I did they made me share my screen, there was then someone accessing my account and making purchases through out the month without me knowing until I locked my card and kept trying to make purchases even after it was locked because cashapp dont have verified workers over the phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IL

Complaint narrative:
These are the inaccurate accounts listed below XXXX XXXX XXXX Account # XXXX Amount : {$1300.00} XXXX XXXX XXXX Account # XXXX Amount : {$2300.00} XXXX XXXX XXXX Account # XXXX Amount : {$900.00} -XXXX XXXXXXXX XXXX Account XXXX XXXX Amount : {$1200.00} -XXXX XXXX XXXX Account # XXXX Amount : {$10000.00} XXXX XXXX XXXX  Account # XXXX Amount : {$440.00} XXXX XXXX XXXX Account # XXXX Amount : {$1400.00} XXXX XXXX XXXX Account # XXXX Amount : {$2800.00} XXXXXXXX XXXX XXXX  Account # XXXX Amount {$720.00}

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 2025-04-10 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: IL

Complaint narrative:
These are the inaccurate accounts listed below XXXX XXXX XXXX Account # XXXX Amount : {$1300.00} XXXX XXXX XXXX Account # XXXX Amount : {$2300.00} XXXX XXXX XXXX Account # XXXX Amount : {$900.00} -XXXX XXXXXXXX XXXX Account XXXX XXXX Amount : {$1200.00} -XXXX XXXX XXXX Account # XXXX Amount : {$10000.00} XXXX XXXX XXXX  Account # XXXX Amount : {$440.00} XXXX XXXX XXXX Account # XXXX Amount : {$1400.00} XXXX XXXX XXXX Account # XXXX Amount : {$2800.00} XXXXXXXX XXXX XXXX  Account # XXXX Amount {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I've got a car through bridgecrest my car was totaled and reported and they still put it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear whom it may concern, I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification.

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is my third CFPB complaint regarding Wells Fargos unlawful seizure of cleared government-issued funds. A State of Washington check for {$22000.00} was deposited into my account on XX/XX/XXXX. The funds cleared, and I accessed themconfirmed by XXXX XXXX, XXXX, and XXXX transactions ( attached ). 

On XX/XX/XXXX, Wells Fargo removed {$22000.00} under a transaction labeled Loss Prevention Closing Entry. They gave no notice, no refund, and have not provided documentation of a return to the issuer. The State of Washington confirmed no return was requested. 

I attached proof of : Cleared available balance of {$22000.00} The deposit and spending transactions The government-issued check with endorsement The transaction where Wells Fargo took the funds Their own message saying a positive balance would result in a cashiers check I request a full refund of {$22000.00} or detailed proof of where the funds went. This is a violation of Regulation CC, XXXX XXXX, and their own account closure policy.

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 2025-04-10 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: SC

Complaint narrative:
UNDER 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, I NEVER GAVE TRANSUNION CONSUMER SOLUTIONS ANY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH IS CONSIDERED IDENTITY THEFT AND FRAUD. 

I have sent TRANSUNION CONSUMER SOLUTIONS letters on numerous occasions, pertaining to them violating my rights as a consumer by putting false information on my credit report. I have sent them picture proof of their violations along with XXXX forms of identification. TRANSUNION is completely ignoring me, which is causing me and my family extreme harm and hardship. 

In my attachments, are the most recent letters sent using certified mail with return receipt. 
The tracking number is XXXX. 

I have also sent numerous complaints with CFPB and listed below is the COMPLAINT ID NUMBERS along with the dates for reference. 

Complaint ID # : XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
In accordance with the fair credit reporting act.. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account Name... XXXX XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX XXXX XXXX Account # XXXX XXXX.. Account Name .... XXXX XXXX.. Account # XXXX ... Account Name ..XXXX XXXX..Account # XXXX 15 u.s.c 1681 section 602 A. state I have the right to privacy. 15 u.s.c. 1681 section 604 A-section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.. 15 u.s.c. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.. Iam a living human being. I have rights under 15 u.s.c 1681. Experian is governd by 15 u.s.c 1681, they have violated my rights numerous times.. I demand these accounts listed be removed 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 2025-04-10 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I ordered my son 3 thing from this company and paid using my cash app card. On XX/XX/year>. I never received anything I ordered. The company refused to reply to my request for a confirmation of the goods being shipped. So I contacted cash app and cash app stated the merchant stated they fulfilled the agreement but I have not received anything on when the merchant sent anything or received an confirmation email I only have the order confirmation email. Cash app refused to issue me an refund

Company response to consumer: Closed with explanation