vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I initiated an international wire transfer on XXXX XXXX to XXXX for {$8000.00} from XXXX XXXX  with a intermediary bank of JP Morgan XXXX The beneficiary bank was XXXX XXXX in XXXX and they were able to confirm that the the transfer was initiated but the money was placed on a hold in the intermediary bank ( JP Morgan ). I called multiple times in XXXX customer care but got no answers and they were not able to track happened to the transfer. In one such inquiry I was notified that my funds were present at the XXXX  XXXX XXXXNow I did not intend my funds to go to XXXX at all, yet no one is able to tell me how and why it went there. Finally, the money was not able to go through till XXXX XXXX. On that day, I ordered the funds to be recalled but I have still not recieved my money back as of XXXX XXXX and the customer care support team of XXXX keeps giving me unclear responses that the money is on hold at JP Morgan and they don't have it. 
I am still not clear of what happened and what went wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This debt was charged off for the synchrony credit card and Im receiving collection letters although they have already charged off on my credit report. I have never received a 1099C.

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), for you to cease and desist all communication with me regarding the alleged debt associated with the above-referenced account number.

Please note the following : 1. I am exercising my rights under the FDCPA to limit or completely cease communication from your office.

2. All future communication, if necessary, should be made in writing to the address listed above.

If you believe this debt is valid, I request written verification of the debt, including the original creditors name, the amount owed, and any relevant supporting documentation.

Be advised that failure to comply with this request may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the state attorney generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am filing a complain against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions. Equifax consistently responds within 48 hours 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 1681. Which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( 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 Equifax complies with federal law and provide consumers with the necessary proof of investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: VA

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 2025-01-26 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2024, I received a text from my Truist Bankcard that concert tickets were purchased in the amount of {$1.00}, XXXX. XXXX. On the same day, my XXXX XXXX was also compromised in the amount of {$1.00}, XXXX. The company was the same company. It is called XXXX. I immediately notified Truist of the fraudulent charge as well as XXXX XXXX. XXXX XXXX credited the amount and initially, Truist credited my account as well. However, several days ago, I received a letter from Truist stating the credit had been denied in the amount of {$1.00}, XXXX. XXXX. Truist stated their fraud department found the charge to be legitimate. 

This is clearly a fraudulent charge on the Truist Visa Account. I have sent documentation to Truist showing the XXXX XXXX charges on the same day with the same company which is XXXX, and the refund. I have contacted XXXX on numerous occasions. They state that the tickets were sent electronically and had no way of tracing the charge. I did not purchase any tickets from XXXX nor have I ever dealt with this company. 


Please contact Truist and investigate this fraudulent charge. 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 2025-01-26 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: TX

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

Account Name : XXXXXXXX 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 XXXXXX/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 2025-01-26 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 violates 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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I reported a fraud and coercion to FBI NY office, which it confirmed that I was a victim of a scam operation. I suffered no fraud.

I preemptively reported the incident to all financial service, networking, telecom and software service provider, took step to cancel my accounts and passwords across the board.

CITIZENS credit card, first contact suggested I put a hold on the card.

But after receiving advisement from other financial institution, I took the recommended step to cancel all cards. I cancelled Citizens card.

Since cancellation of my original card, I will received three cards. Everyone one them, as soon as the card is used for an online transaction, Citizens immediately issued fraud alert on SMS and also call me aggressively.

For the first two cards, I innocently thought Citizens had my best interest in mind.

First replacement card, I cooperated without any question. I let them immediately cancel the card and issue a new one, which took XXXX days to arrive. 

Second card, they immediately cancelled without even a discussion when I called in. When I phone back the generic number on my card to verify fraud alert 's legitimacy, instead of a nice interaction, I was treated like a criminal. It insisted to reverify my social security number by voice ( after input to robo system already ). I called in from a pre registered number, instead of accepting it, it insisted to call my home phone, which I complied. But my home phone has robo block so its robo pin authentication failed. Instead of using SMS to mobile registered number, it insisted to disconnect the call. 

Third, in less than XXXX hours of receipt, same happened. I called XXXX to find out who was charging the transaction, turns out it was XXXX for XXXX and identity protection. XXXX took the step to cancel the subscription. This happened while Citizens called to want to discuss fraud. I said I will call back When I called back, I was assured that the hold will be lifted in XXXX minute. 

XX/XX/year> XXXX ( XXXX hours later ), I tried to use to the card to re-establish charge for another online account ( health insurance ), the card is blocked again. No fraud alert. 

First call, call center disconnected me Second call, I asked what code is blocking online transaction, the agent refused to answer but acknowledge a block is set by the system and will be lifted. 

This is utter insanity how victim of fraud is treated by a bank. Bank is insured to the XXXX. It is not entitled to place block on someone's card when the card holder did not authorize the block for normal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In 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 1681. 

XXXXXXXX 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 ( CLOSED ) : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States 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 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 seven years.

15 U.S.C. 1681B ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In 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 1681. 

XXXXXXXX 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 XXXXXXXX ( CLOSED ) : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States 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 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 seven years.

15 U.S.C. 1681B ( A ) ( 1 ) 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 2025-01-26 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX 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 XXXXXXXX

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
( 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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im a victim of identity theft and fraud Im a victim of the XXXX fraud Im victim of XXXX data breach victim of XXXX XXXX my identity has been sold to the dark web

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 2025-01-26 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 BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: IN

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute XXXX failure to properly investigate inaccuracies on my credit report and to report my concerns to the Consumer Financial Protection Bureau ( CFPB ). This matter has caused significant financial harm and unnecessary stress, and I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/year>, I submitted a dispute to Equifax concerning inaccurate or unverifiable information on my credit report. Instead of conducting a thorough investigation and resolving the errors as required by law, Equifax either failed to investigate properly or dismissed my concerns without justification. As a result, the inaccuracies remain on my credit report, continuing to affect my financial standing and opportunities. 

I want to make it clear that I will continue to dispute the inaccurate information on my credit report until it is properly addressed. I expect my concerns to be taken seriously and not ignored. Equifax has a legal obligation to ensure accurate reporting and to perform proper investigations when disputes are submitted. Ignoring my concerns or failing to provide a comprehensive resolution is a violation of my rights under the Fair Credit Reporting Act.

I am requesting the following actions : 1. A detailed and timely reinvestigation of the inaccurate information I previously disputed, including verification of the sources used to validate the data.

2. Immediate correction or removal of any information that can not be verified.

3. A written response detailing the steps taken to address my concerns and how Equifax plans to prevent similar failures in the future.

Additionally, I am asking the CFPB to intervene to ensure that Equifax complies with its legal obligations and addresses consumer disputes properly.

Enclosed, I have included copies of my original dispute letter ( s ), relevant documentation, and evidence to support my claims. If additional information is required, please contact me at the information provided above.

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect consumers from XXXX continued negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have a incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balnances despite initially available funds. I believe these 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