vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
On Friday, XX/XX/25, I attempted to make an online purchase to pick up from a XXXX store. The transaction appeared to go through initially but when i checked later it had not gone through. When I attempted to make the purchase again, a notice popped up that I needed to contact my bank. I called my local branch because I am about XXXX miles away in another state. The clerk, XXXX, told me the card was active on his front-facing system but when he checked another system it showed my card had been flagged for possible fraudulent activity. He told me to XXXX Citizens Bank XXXX department at XXXX to resolve the issue. When I called the person I spoke with wanted to text me a code but Citizens didn't have my updated telephone number. The person told me I would have to go in to a branch bank and verify my identity. I asked if there was another way for them to verify me because the closest branch is XXXX miles away in Ohio and I am in South Dakota. He initially told me yes but then said no. 

I called my branch bank back twice and spoke to XXXX person who gave me a different phone number to call to get my phone number changed. That didn't work. When I called the third time, I was asked about transferring money through XXXX XXXX but I don't have any. I was asked about online banking and I was able to establish online banking and walked through how to change my phone number by a woman named XXXX. 

To establish the online banking, a code was sent to my email address on file ( which is correct ) and I was able to establish my identity to get online banking. I called the fraud department back and received a return call from XXXX. I asked that person if he could email the code to me instead of texting to verify my identity and he refused. My card has been frozen and I am unable to use it. 

If the online banking system is able to send me a code to allow me to establish access to my bank account why can't the fraud department email a code to verify my identity. 

I have reviewed my online banking and there are no transactions pending or showing that I did not make myself. I have been in South Dakota about XXXX weeks using my debit card and have even withdrawn cash from an ATM. 

I am not sure what triggered the fraud department but even through the online banking system I can not see where anything has been flagged as fraudulent. I received no emails about suspicious activity and have no way online to verify that I did make all the purchases showing. 

Without access to my funds, I can not even get to the nearest branch to verify who I am. 

If the online banking system can send a code to my email why can the fraud department not do so? And why can I not verify the purchases online to confirm I actually did make the purchases and attempted to make the purchase that has been declined?????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NE

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-29 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: MI

Complaint narrative:
How is this account reporting while the United States Bankruptcy Court reports to no one If you can not provide proof of who actually provided this information to you and show me paperwork. please delete it.

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 2025-03-29 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: MI

Complaint narrative:
How is this account reporting while the United States Bankruptcy Court reports to no one If you can not provide proof of who actually provided this information to you and show me paperwork. please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Essentially the reporting score that I have is incorrect. I haven't missed a payment on anything in more than a decade. In addition, Erroneous items that are on my report have not been erased in order for my score to rise. Have the reporting agencies ACCURATELY reflect my score which should be higher. Please and thank you. I have no college debt anymore. One car loan. On time bills. Only one credit card a balance that is constantly paid on and wiped out a credit card bill with near XXXX dollars pay off. Let 's review this score. Take off or ask me what is what and get this score fixed. I have things to do. Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXX XXXX for their continued failure to remove fraudulent information from my consumer report, despite proper notice and submission of all required documentation under the Fair Credit Reporting Act ( FCRA ). 
Over three months ago, I formally notified XXXX of identity theft involving fraudulent accounts opened in my name at XXXX XXXXXXXX XXXX ACCT # : XXXX ROUTING NUMBER : XXXX and Truist Bank ACCOUNT NUMBER : XXXX ROUTING # : XXXX What I have submitted to XXXX on XXXX XXXX and XXXX XXXX A police report : A signed identity theft affidavit Additional supporting documents verifying the fraud Despite this, XXXX has failed to block or remove the fraudulent information from my file. Their inaction is a clear violation of my rights under : 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block identity theft-related data upon proper notice 15 U.S.C. 1681b, for furnishing my report to third parties without a permissible purpose while it contains disputed and fraudulent data This inaccurate and uncorrected reporting has harmed me by impacting my ability to open new accounts and conduct everyday financial activities. 
Requested Resolution : I respectfully request that the CFPB : Investigate XXXX for noncompliance with the FCRA Require immediate and permanent removal of all fraudulent accounts and entries associated with this identity theft Hold XXXX accountable for failing to act within the required timeframe I am prepared to submit all evidence and correspondence to support this complaint. 
Sincerely, XXXX XXXX XXXX XXXX Email Address : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXX XXXX for their continued failure to remove fraudulent information from my consumer report, despite proper notice and submission of all required documentation under the Fair Credit Reporting Act ( FCRA ). 
Over three months ago, I formally notified XXXX of identity theft involving fraudulent accounts opened in my name at Bank of America ACCT # : XXXX ROUTING NUMBER : XXXX and XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING # : XXXX What I have submitted to XXXX on XXXX XXXX and XXXX  : A police report : A signed identity theft affidavit Additional supporting documents verifying the fraud Despite this, XXXX has failed to block or remove the fraudulent information from my file. Their inaction is a clear violation of my rights under : 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block identity theft-related data upon proper notice 15 U.S.C. 1681b, for furnishing my report to third parties without a permissible purpose while it contains disputed and fraudulent data This inaccurate and uncorrected reporting has harmed me by impacting my ability to open new accounts and conduct everyday financial activities. 
Requested Resolution : I respectfully request that the CFPB : Investigate XXXX for noncompliance with the FCRA Require immediate and permanent removal of all fraudulent accounts and entries associated with this identity theft Hold XXXX accountable for failing to act within the required timeframe I am prepared to submit all evidence and correspondence to support this complaint. 
Sincerely, XXXX XXXX XXXX XXXX Email Address : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
The origination date is XX/XX/XXXX for the loan. According to the loan agreement terms are bound by Ohio law. XXXX XXXX XXXX XXXX XXXX have violated Ohio statute Section 1321.02 |Small loan license requirement. XXXX XXXX XXXX XXXXXXXX XXXX has a small loan license in Ohio. 
The law states ; No person shall engage in the business of lending money, credit, or choses in action in amounts of XXXX XXXX dollars or less, or exact, contract for, or receive, directly or indirectly, on or in connection with any such loan, any interest and charges that in the aggregate are greater than the interest and charges that the lender would be permitted to charge for a loan of money if the lender were not a licensee, without first having obtained a license from the division of financial institutions under sections 1321.01 to 1321.19 of the Revised Code. 
Any contract of loan in the making or collection of which an act is done by the lender that violates this section is void and the lender has no right to collect, receive, or retain any principal, interest, or charges. 

Also, the statement balance fee is an illegal usury fee under Ohio state law. It works as an interest rate though named something different and is in excess of 100 % per year. In Ohio, the general usury law limits interest rates to 8 % per year. XXXX XXXX XXXX XXXX XXXX has violated ORC XXXX Consumer Sales Practices Act ( XXXX ) Which Makes it illegal for sellers to misrepresent the price of their goods or the terms of a transaction and Prohibits sellers from taking advantage of a consumers inability to understand the terms of a sale and Prohibits sellers from selling a product or service to a consumer they know can not afford or substantially benefit from the purchase. 

I was unaware that the fees would operate like interest. The loan contract is null and void because they have no license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: 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.

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 a 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. 1681s-2 ( 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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602, states I have the right to privacy. 15usc1681sectiion 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15usc166b a creditor can not treat a payment on a credit card under an open and consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Additionally, I certify that I am authorized to file this dispute under FEDERAL and STATE LAW. Additionally, I am aware that material factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Additionally, under 18 U.S.C. 1621, these false statements are illegal. The items discovered in my credit report that I've listed on the pages below have nothing to do with any purchases I made. I claim that someone or some organization used my personal information without my consent to apply for goods, services, or money and was successful in opening some accounts. Please take the items out as soon as you can. If you believe this to be untrue, please swear under oath that you witnessed these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Additionally, I certify that I am authorized to file this dispute under FEDERAL and STATE LAW. Additionally, I am aware that material factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Additionally, under 18 U.S.C. 1621, these false statements are illegal. The items discovered in my credit report that I've listed on the pages below have nothing to do with any purchases I made. I claim that someone or some organization used my personal information without my consent to apply for goods, services, or money and was successful in opening some accounts. Please take the items out as soon as you can. If you believe this to be untrue, please swear under oath that you witnessed these transactions.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On the following dates below I received email notifications of a debt collections from a representative with Resurgent Capital Services on behalf of LVNV Funding LLC for someone that is not me, Tre. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All communication was sent by representative name : XXXX from the following email : XXXX requesting payment for the following account. 
Account Number : Ending in XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I had submitted two disputes for unauthorized transactions on my Debit card but my bank denied it with inaccurate reasons. I did not make these transactions and they are unauthorized. I have never done any business with these merchants. I have attached screenshot for my both disputes and also a screenshot of my statement first page which has the address and phone of the banking service that I use. 

The bank that i use is a online financial banking service ( Current mobile app ) and the company name is Finco Services , Inc. 

Below are the details of my bank. 

Here 's a more detailed explanation : Current 's Role : Current ( Finco Services , Inc. ) is a financial technology ( FinTech ) company, not a bank itself. 

Banking Services : Current partners with XXXX XXXX XXXX and XXXX XXXX Bank to offer banking services to its users. 
Current is a financial technology company, not an FDIC-insured bank XXXX XXXX XXXX XXXX is a bank that provides banking services through Current. 

XXXX XXXXXXXX XXXX : is another bank that provides banking services through Current. 

XXXX XXXX XXXX : is a financial technology company, not a bank, that offers Paycheck Advance for eligible customers.

Company response to consumer: Closed with explanation