vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against SoFi Bank regarding the abrupt and unjustified closure of my bank account and the handling of my remaining funds of about {$1000.00} dollars. 

On XXXX, I received an email from SoFi Bank stating that my checking account was being closed immediately due to an alleged violation of their Deposit Account Agreement. However, the bank provided no specific details regarding the supposed violation, nor was I given any prior notice or opportunity to address the issue. 

Additionally, SoFi Bank has stated that my remaining funds will be " returned to the originator, '' while simultaneously claiming that I am not the rightful owner of the account. This is both inaccurate and concerning, as I am the legitimate account holder and have conducted all transactions in compliance with banking regulations. 

I believe SoFi Banks actions are unjustified and may constitute unfair or deceptive practices, including : Closing my account without providing a valid reason. Withholding or misdirecting my funds without clear explanation or due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am writing to express my concern regarding an unresolved issue related to my recent purchase. I initially purchased an item from XXXX for {$490.00} on the XXXX of XXXX. Unfortunately, the order was canceled by XXXX, and I was advised by the customer service XXXX XXXX to reorder the item. Upon reordering, the price increased to {$810.00}, which is a significant difference, {$320.00} to be exact. 

After noticing the price increase, I contacted XXXX customer service, who assured me that the item would be eligible for a price match. However, despite this agreement, XXXX did not honor the price match, and I was still charged the higher amount. Due to XXXX dishonor and what could be seen as fraudulent, I thought reaching out to my credit card company would provide a better outcome. 

In an attempt to resolve the issue, I disputed the charge with my credit card company, USAA. I provided multiple screenshot documents enforcing my claims. The screenshots clearly show an XXXX customer service provider guaranteeing a price match, which was not met. Therefore, the dispute with USAA started early XXXX and just recently closed, as of XX/XX/XXXX. However, my dispute was denied. USAA claims that XXXX didn't promise a price match back to my USAA card, which I found absurd because I used my USAA card to purchase the item. Given that I was promised a price match and the significant price discrepancy, I took the issue to USAA. USAA didn't resolve my issue whatsoever after multiple weeks of frustration, and back and forth calls. Thus, I believe this situation warrants further attention. 

I respectfully request your assistance in resolving this matter. Please let me know the next steps I can take to ensure that I am either refunded completely or that the agreed-upon price match is honored. 

I have attached all relevant documentation, including order details, price quotes, and any communications from XXXX regarding the price match. I appreciate your attention to this issue and look forward to a prompt resolution. 

Thank you for your assistance.

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made my personal check XXXX XXXXXXXX out to my son for {$250.00} and mailed on XX/XX/XXXX to him in XXXX XXXX, CA. I was alerted on XX/XX/XXXX to an amount of {$400.00} withdrawn from my account via that same check being cashed by a person unknown to me. I immediately called Chase Bank to report the fraud and the check had been stolen out of the mail and re-written on XX/XX/XXXX and cashed. They said they would initiate an investigation. I would need to submit an affidavit and have my son sign it as well. I was also told it may take XXXX months for my money to be put back in my account. When I asked why, I was told there was not a way for them to trace the transaction and they would have to determine first that it was fraud and get the other bank to work with them to return the money. 
I have since had to submit XXXX affidavits because the first one was incorrect but I only found out I had checked the " wrong '' box when I called for an update. I honestly feel they wouldn't have contacted me regarding this because over a week later, I received another affidavit from them in the mail to fill out and resubmit. I took this to the branch to electronically submit. Was asked then for a copy of my check register, which I went back home to retrieve and send electronically. 
I called a week later for an update only to hear they did not have a copy of my register and needed proof somehow of the original check amount. This caused me to make another trip to the branch. 
The banker called the security team to get an email address to submit the register ; the email given did not work. A XXXX email address given also did not work. These were the same addresses given initially when we sent the register but the banker somehow missed that the email was returned undeliverable and again, I was never notified! 
I have had to make XXXX trips to the closest bank branch to resubmit things I have already submitted. I have spent hours on hold waiting for the back team to pick up after going through the ridiculous answering menu. I have been told the burden of proof is on me by the gentleman at the branch who helped me get a new account and that it takes a while for the back team to do their investigation. I have asked if the bank has our signatures on file and wouldn't that be an easy way to see this was fraud?? He told me, to my face, " well, XXXX, I guess we would have those '', but to my knowledge, no one at the bank has even checked our signatures! 
I was told last Thursday, XX/XX/XXXX, to give them XXXX business days after resubmitting my check register a XXXX  time for them to complete their investigation. The banker told me he would call them XXXX thing this morning and call me. It is now XXXX in the afternoon and I have yet to hear from him. 
There has to be a better way for Chase customers to be treated and to get their money back when they are the victim of theft!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-03-04 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

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 2025-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I made a payment toward my principal and it was reversed and I was told it would be fixed in a couple days. I paid {$1000.00} toward my principal on XX/XX/year>. I was told the website thought it was my monthly payment so it reversed it and still hasn't put it back in. Their website has issues that needs to be fixed. If the {$1000.00} had gone in like it was supposed to, more of my payment this month would have gone toward my principal. So now, on XX/XX/year>, I'm told it will take another couple days to go in. The guy I spoke with said when he tried to put it back in that it wouldn't go back in. It has already been taken out of my bank account so where is this money??? How is it that a company worth so much money doesn't have IT personal that customers can talk with to fix ALL of these ISSUES that keep happening???? It also usually says I can't pay toward my principal from the first through the tenth, yet my payment is due on the first through a direct deposit through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

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 USC XXXX. 

15 U.S.C XXXX section XXXX A. XXXXtates I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried countless of times to unfreeze my Experian account but have had no success for the last XXXX months. I have tried online and by phone ( XXXX XXXX XXXX XXXX XXXXContact Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) -- as well as by mail. I have sent an Experian form ( PDF ) by overnight mail to their XXXX, Texas address requesting to lift the freeze because I need it for looking for an apartment. With that application, I included photocopies of my California Drivers License, my Social Security card, and a copy of my bank statement. Due to Exerian constantly putting roadblocks in my way ( no response to my applicaton online, phone, or mail ) I have not been able to find housing. 

When I call any of their numbers as listed on their website, I am constantly referred to an A.I. computer voice and then the system just hangs up. A non-stop nightmare loop that goes nowhere. 

When I email and called to followup on my Experian Application that I mailed to them in Texas in early XX/XX/year>2025, I received no response. I also never received any mail or email to help solve my request. 

Experian makes it very difficult to get into my credit file vs. XXXX and XXXX. The other agencies requested that I upload documents to prove my identfication ( i.e. drivers license, social security, etc. ) Experian NEVER gave me that option and just keeps ignoring my request. They have created a nightmare that keeps me from my own 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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
My credit report was exposed in the data breach.And multiple inquiries are not from me and need them to be removed immediately please

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 2025-03-04 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: LA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

The following addresses are showing up on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, IL XXXX I do NOT live at any address in Illinois. I have lived in Louisiana for many years. 

I have disputed this address numerous times and it has been disregarded. I've been told online and by Experian representatives that there are creditors reporting these addresses but I have called the creditors myself and have verified that all creditors pertaining to my file have the correct address. 

Incorrect addresses on my file put me at risk for fraud this scares me because I have been a victim of identity theft before.

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 2025-03-04 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my [ credit report/account ], specifically concerning XXXX, an account erroneously added on my report. This incorrect reporting constitutes negligent non-compliance under 15 U.S.C. XXXXo of the Fair Credit Reporting Act ( FCRA ), and I request its immediate deletion from my records. 

The FCRA mandates that entities handling consumer information maintain accurate records and promptly correct any discrepancies. Failure to comply, whether willfully or negligently, exposes such entities to legal liability. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently enforced actions against institutions for similar violations. For instance, in XX/XX/year>2025, the CFPB fined Equifax {$15.00} XXXX for inadequate investigation of consumer disputes regarding their credit reports, highlighting the serious implications of failing to address inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear Sir/Madam , This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with XXXX, TransUnion, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.CXXXX XXXXi, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action. 

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately. 
Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within XXXX days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous 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