vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
I have recently reviewed my credit report and noticed that XXXX, TRANSUNION and XXXX illegally allowed collection agencies has reported this debt to my consumer report. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provide written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and the debt collectors listed below including the original contract between me ant mentioned debt collectors within 15 days of receiving this dispute. 

XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date openedXXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX  acct # XXXX date openedXXXX XXXX. XXXXXXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX acct # XXXX date opened : XX/XX/XXXX Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. Done in good faith-All Rights Reserved-Without Prejudice-Non Assumpsit

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 2025-01-31 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed that XXXX, XXXX and EQUIFAX illegally allowed collection agencies has reported this debt to my consumer report. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provide written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and the debt collectors listed below including the original contract between me ant mentioned debt collectors within 15 days of receiving this dispute. 

XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX acct # XXXX date XXXX XXXX. XXXXXXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX acct # XXXX date opened : XX/XX/XXXX XXXX. XXXX XXXX acct # XXXX date opened : XX/XX/XXXX Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. Done in good faith-All Rights Reserved-Without Prejudice-Non Assumpsit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MS

Complaint narrative:
I called chime XXXX XXXX about someone creating a cashapp with my information and stealing almost XXXX $ they got smart and said I can file a dispute but it may not go through I stated want you guys investigate this claim someone stole my information and took my money from chime bank that I have an account with the agent brushed it off and continue to start the claim 12 hours later the dispute was denied I believe chime is stealing people information and taken they money there is no way out of all my years on earth a dispute goes by that fast no investigation happen they promised me a temporary credit said I was eligible until they complete the claim I never received my temporary credit I have over 200 people with the same story chime is stealing from people I would like my money back Ive filed 2 disputes and both was denied under 12 hours how does that work no other bank does this but chime I really want to petition to shut chime down they are literally stealing from people and nothing is being done at all Im now homeless because someone stole my money and chime want do anything about it I have a XXXX XXXX that needs his milk diapers etc and chime just literally spit in my face and laughed it off I stated Ill be contacting you guys they said theres nothing can be done Ill need hard proof lol what kinda bank is this something needs to be done when I get my money I will be closing this chime account this isnt how you treat people all my direct deposit go here Ive never had cash app not one transaction on my account to cash app since Ive had chime for almost 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorize, they have done this several times I was charged fees due to lagged posting of charges and credit this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds, I believe this practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX ( XXXX ), a XXXX company, sent a wire payment for our XXXX product on XX/XX/XXXX. It is XX/XX/XXXX and the funds have not been transfered by Citi bank. 

Citi asked, through XXXX, for confidential company information that we can not provide. We provided Citi, through XXXX, with our articles of incorporation and XXXX EIN registration along with purpose for payment and other information that we could provide, but the funds have not been forthcoming. 

I was informed that if I made any inquiries it would flag the transaction as a money laundering transaction so there is no way to address the problem from my side. 

Who is responsible for paying the interest and late payment fees on the transfer, Citi? How do I collect them? How can I force Citi to complete the transaction. The amount was {$12000.00}

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 explanation
Consumer complaint received 2025-01-31 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:
Cash app always had problems with my accounts. They kept closing them stating due to gaming to which i was not. This was my business accounts. They even had a {$1700.00} transaction that was not mine. After months of going back and forth in emails, nothing was ever accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 am filing a formal complaint against Equifax for failing to remove a fraudulent account from my credit file despite my repeated disputes. The account in question is XXXX XXXX XXXX account number XXXX, which does not belong to me and was opened fraudulently. 

XXXX has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after I disputed the account.

15 U.S.C. 1681s-2 Furnishing inaccurate information despite being notified of the dispute.

15 U.S.C. 1681i ( 5 ) Failure to delete inaccurate or unverifiable information from my credit file.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information reported.

I have provided all necessary supporting documentation to XXXX, including a police report and an identity theft affidavit, yet they continue to report this fraudulent account. Their failure to act has caused me financial and emotional distress.

I request that the CFPB take immediate action to ensure XXXX complies with federal law by permanently removing this fraudulent account from my credit report. I also request that XXXX provide a written confirmation of the deletion. 

Please let me know if additional information is needed to process this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account with Fifth Third Bank with {$100.00}. I was planning on adding more money to the account. Had the account for 1 and 1/2 years. I decided to close the account, as I have an account at a local credit union, and another bank. Did never withdraw or use this account at all. Fifth Third Bank charged me {$35.00} for a dormant account. I couldn't believe it. So I received {$65.00} dollars. They tryed to tell me it was because of the IRS. I don't believe them. How are they allowed to get away with this. I hope you can help me in this matter. Thank You. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds very quickly stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( Case Number XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I disputed as inaccurate. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX  Acct # 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 2025-01-31 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Date of transaction : XX/XX/year> Amount : {$3000.00} What the business committed to offer me : Dining table with XXXX velvet dining chairs Nature of dispute : The dining chairs that were delivered were not velvet so I asked the delivering guys to return the item. I went back to the store the next day and the XXXX ( XXXX ) told me that he will issue a refund within XXXX to XXXX  days. The refund was not issued so I filed a dispute with the bank ( synchrony bank ). They asked me to get a statement from the merchant stating that a full refund is due, which I did. The dispute was still denied and cancelled. Upon XXXX to XXXX different dispute, the bank says they can not help so I should deal with the merchant myself. 

Whether or not the business has tried to resolve the problem : XXXX ( the merchant ) gave me the receipt and documentation stating that full refund of {$3000.00} is due me. I asked him to refund it himself, he said he will not because I opened a dispute with the bank so I should deal with the bank. 


** The bank specifically asked me to get a document from the merchant which states that a full refund of {$3000.00} is due me. I got this from the merchant but they still would not help me witht hte case.

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 2025-01-31 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: FL

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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 proce 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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
Us bank that I bank with for business account and personal was recently open on XX/XX/XXXX of 2025, and now my account is beginning to close for I don't kno for what reason and it wasn't even bo fraud activities of any kind upon my accounts nor identity theft. My accounts was just find they can see all my transactions and activities on my account. I stay in Georgia and us bank is in another state but does accept Georgia residents because if they didn't Us bank wouldn't have processed my account opening for a business account or personal savings like I have with them. I tried to get a reason why they are closing my accounts but I haven't gotten any reason why from the verification department at Us bank! and I think this is a mistake on their end and need this too be handled. I know banks don't have to give you a reason by phone only if the notes states otherwise upon a reason why a hold was placed on account or a letter will be sent out explaining why.

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