vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Transactions on My Chime Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chime for their repeated failure to prevent unauthorized transactions on my account and for their lack of adequate support in resolving the situation.

On two separate occasions, including the most recent incident, unauthorized transactions occurred overnight while I was asleep. Specifically, all of the fraudulent transactions in the latest incident began at exactly XXXX XXXX. on Tuesday, XX/XX/2025. These transactions were made using my Chime account and routing numbers ( Account : XXXX, Routing : XXXX ), without my authorization. I have been diligent in monitoring my account ever since the first incident, yet these fraudulent activities continue. Despite my vigilance, Chime has failed to provide any reassurance or clarity regarding how they plan to return my funds or prevent such incidents from happening again. 

Chimes response has been unacceptable. Not only did I not receive any alerts about these transactions, but the company also failed to provide adequate guidance on how my stolen funds would be recovered. I suspect Chime may consider closing my account as a way to absolve themselves of responsibility, but I demand that my funds be returned and that this matter be resolved appropriately before any such action is taken. 

I am extremely upset and frustrated with Chimes handling of this matter. As a customer, I expect a financial institution to safeguard my funds and to take swift, transparent, and effective action in cases of fraud. Their failure to address these recurring incidents, including this latest one involving unauthorized use of my account information, has completely shaken my confidence in their services. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Chime takes responsibility for their actions. It is unacceptable for a financial institution to allow fraudulent transactions to go unaddressed and for customers like me to bear the consequences. 

I am prepared to escalate this matter to the highest levels of government if necessary to protect my rights and ensure no other customers face the same ordeal. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

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 2025-01-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My information was exposed in a data breach. Don't turn my dispute into a 3 day dispute. I request under section 605B that it ALL be REMOVED of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Request to Update Address For your reference, I will attach a copy of my ID and proof of address to facilitate this change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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, Casp 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received my credit report in XXXX of 2024, and I discovered my personal information was being inaccurately reported to my consumer file. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Please see the dispute letters uploaded so you can update my correct personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received my credit report in XXXX of 2024, and I discovered my personal information was being inaccurately reported to my consumer file. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Please see the dispute letters uploaded so you can update my correct personal information.

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 2025-01-28 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: GA

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. 

Account name : XXXX XXXX Account number : 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 2025-01-28 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-28 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: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. XXXX consistently rest within 24 hours stating the account is accurate, without providing any evidence of a through investigation.This practice violates the Fair Credit Report Act ( FCRA ) ,15U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12U.S.C 5536 ( a ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with federal law provides consumers with the necessary proof of investigation.XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 am writing to file a formal complaint against XXXX regarding their handling of inaccurate information on my credit report and their failure to conduct proper investigations into my disputes, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Inaccurate Information on Credit Report : I have identified multiple collection accounts on my XXXX credit report that I do not recognize and have never authorized. These accounts have been removed from my XXXX report but remain on my XXXX report. 
Failure to Properly Investigate Disputes : Upon discovering these inaccuracies, I promptly filed disputes with XXXX, providing all necessary documentation to support my claims. Despite this, XXXX failed to conduct a reasonable investigation and did not remove the inaccurate information. 
Relevant Legal Violations : Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. XXXX 's failure to properly investigate my disputes violates this provision. 
Connection to Recent CFPB Lawsuit : I am aware that on XX/XX/year>, the CFPB filed a lawsuit against XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 

My experience mirrors the allegations in this lawsuit, indicating a broader pattern of non-compliance by 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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I'd like to file a complaint against the Citizens Bank located at XXXX XXXX XXXX XXXX XXXX Ma XXXX. The card reader to get info the ATM vestibule does not work so I can not use the ATM after hours which is unacceptable being the only Citizens in XXXX XXXX. I have reported this directly to them months ago and it's still not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
ACCORDING TO THE I.R.S AN UNPAID CHARGE OFF IS INCOME ACCORDING TO THE FCRA INCOME CAN NOT BE REPORTED ON A CREDIT REPORT I'M REQUESTING FOR THE SECOND TIME A 1099-C ( CANCELLATION OF DEBT ) FROM XXXX XXXX ACCOUNT # XXXX AFTER CHECKING MY MOST CURRENT REPORT THE XXXX XXXX XXXX THE UPDATED INFORMATION STATES THAT THE ACCOUNT WAS SOLD/TRANSFERRED TO XXXX XXXX AS OF XXXX XXXX AND THEY ARE THE NEW SERVICER OF THE ACCOUNT. THIS ACCOUNT CAN NOT BE REPORTING AS A CHARGE OFF ON MY CREDIT REPORT THE ACCOUNT WAS SOLD/TRANSFERRED TO ANOTHER LENDER PLEASE SEND ME THE 1099-C FORM THANK YOU.

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 2025-01-28 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filling 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 to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-01-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is an ongoing issue with this company which is operating out of security fraud aggravated identity theft, forgery. violations of the Hobbs Act, RICO Act, tax invasion money laundering and UCC laws banking laws. XXXX XXXX XXXX XXXX an authorized representative at Bank of America and signs off on securities at the SEC. Every in grantor name has a priority lien against it per UCC filing so this company is in violation of UCC laws and Trust laws with all bank accounts are in trust under grantor control.

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 2025-01-28 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:
This morning, I came across some incorrect accounts on my credit report, and I have no explanation for why theyre there. While checking my report as I usually do, I noticed these discrepancies, which seemed to appear out of nowhere. I even refreshed my browser to see if it was a temporary issue, but nothing changed. As a result, I am requesting a thorough review of the documents I submitted to ensure this issue is fully resolved and no longer a concern for me.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, the XXXX of Citibank, in an agency of their institution, did not allow me to withdraw my money, without any argument, money that my wife sent me via international bank transfer, proceeds from the sale of an apartment. In XXXX, that is 20 % of what I am going to bring to this country and on top of that they closed my account. Instead of letting me withdraw my money and then they want to close my account, well they didn't, I called to ask and they didn't give me any reason, that I have to wait 30 to 60 days, for that reason I am making this complaint, I don't think what they are doing to me is fair, it is an abuse towards me.

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 2025-01-28 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:
I am writing to formally dispute a collection that has been reported and sold for {$610.00}. I believe there has been a misunderstanding regarding this matter, and I would like to provide some context for your review.Additionally, under the California Consumer Privacy Act ( CCPA ), if my information was sold without my consent, I have the right to request that it be deleted. I talked to the company but they didnt have a debt validation.

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