vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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:
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. 


Account Name XX/XX/XXXXXXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX XXXX # XXXX Account Name :XX/XX/XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXX/XX/XXXX# XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXXXX/XX/XXXX XX/XX/year>2024 XX/XX/XXXX XX/XX/year>2024 XX/XX/XXXX - XX/XX/year>2024 XXXXXX/XX/XXXX - XX/XX/year>2024 XX/XX/XXXX XXXX/XXXX/2024

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX- {$990.00} paypal check sent to me. never received it. never cashed XXXX XXXX-paypal cancelled check and returned {$990.00} to account. 
XXXX XXXX -paypal removed {$990.00} from my account. never received money. 
Don't know what happened to money. 
org bank. XXXX check # XXXX would not provide copy of front and back of check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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. 


Account Name : XX/XX/XXXX # XXXX 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 2025-02-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Moved XX/XX/year> from XXXX to XXXX. I changed address on my online account page. Fraudulent charges occurred for under {$2000.00} in multiple states all across the country. I phone Citibank, a new card was issued. It never came though. I called every week, and checked to make sure my newest address was on file. Every call, every week this happened with the same response -- just wait for another 4-7 day -- -over and over. The customer service agent could barely speak English and I dared not to ask for a fluent English speaker. You know, the racist thing. So I just kept banging my head against the wall and repeating the same inquiry. 
I was told that the mailman must be stealing the card. Please help. It's not been over 2 months into this nightmare, hours on the phone, on hold or waiting for them to do something, escalate the issue. But nothing has happened. They refused to vary from the script... ..Just 4-7 days and magically a new card with appear. I can no longer See my CD account online, it has matured and I need to roll it over or change the account type. My " settings '' in my profile are now frozen. Please help.

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 monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: LA

Complaint narrative:
Consumer Name XXXX 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 EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: OH

Complaint narrative:
This letter constitutes my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my previous disputes and clear notifications regarding these inaccuracies, your agency has failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve these issues amicably ; however, your continued inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information contained in consumer reports. Section 1681b expressly prohibits the inclusion of hard inquiries without a permissible purpose, and the presence of unauthorized inquiries on my credit report is a direct violation of this provision. Moreover, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are obligated to investigate and remove any disputed information within thirty days of receiving notice. Further, under 15 U.S.C. 1681e, you are mandated to follow reasonable procedures to assure maximum possible accuracy of the information in my credit file. Your failure to comply with these statutory requirements leaves me no alternative but to seek redress through litigation.

Additionally, the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) and its implementing Regulation B ( 12 C.F.R. 1002 ) require that all creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. Your failure to validate these unauthorized inquiries, despite my formal disputes, is a direct violation of federal law. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) reinforces these obligations by requiring that any disputed information be thoroughly investigated and corrected or removed at no cost to the consumer. The continued reporting of these fraudulent and outdated inquiries has significantly harmed my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.

Furthermore, pursuant to 15 U.S.C. 1681s-2, furnishers of credit information are obligated to provide accurate data to consumer reporting agencies. Your failure to remove inaccurate or unauthorized inquiries further compounds your liability under federal law. The cumulative effect of these violations warrants the recovery of statutory, actual, and punitive damages as provided under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Td bank closed bank account for no reason they said a legitimate check from the government was fake and it wasnt. I had all proof check was real, even brought them the proof and they would offer no help at all. Even though they cashed the check and it cleared they still shut down accounts. I have no way to get any money none of my bills are getting paid my credit score is being affected, my mortgage everything. This is horrible what they did to me for no good reason they said they can close an account anytime they want. You should be able to sue this td bank leaving me with no access to money or any way to pay my bills. The manager was horrible the way they treated me and XXXX XXXX and treated me like a criminal. Do not do business with TD BANK!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have been trying to wire money from Bank of America to my bank here in XXXX. The process was blocked. I was told that it would reset in 24 hours but that did not happen. I called BoA and was on hold for over 40 minutes which included being transferred twice. They told me it could only be unblocked by the fraud department. I emailed and spoke with XXXX XXXX on XXXX XXXX, 2025 from the Consumer Client Escalations but reached the same impass. She offered to have the fraud department call me. She told me they would call me in a day or two. After a week with no call I sent her another email on XX/XX/year>2025 and left her a voicemail saying that I had not received a call from the fraud department. I got a call ( clearly she needed that prompt ) but I missed it because I was not near my phone. I wrote to her and asked for the fraud department to contact me by email so that we could set up an appointment time to be sure we connected. She has not responded to these emails. In the meantime they tried to call me again but I wasn't near my phone. I wrote her yet again to request that they email me but I have not gotten a response. My account is still blocked and I can not transfer money. I actually want to transfer money here to XXXX and some of it to another bank in the states which has a money market account with a much higher interest rate. I am losing money while waiting for this to be resolved. They do not show any concern for customer satisfaction and no drive or urgency to resolve issues for their customers. It comes across as quite arrogant.

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 2025-02-07 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:
Subject : Request for Debt Validation To Whom It May Concern, I am writing to you regarding an alleged debt associated with the account name : XXXX XXXX XXXX number XXXX. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I formally request validation of this debt.

To comply with this request, please provide me with the following information : 1. Documented proof that this debt belongs to me, including a signed contract or any binding agreement.

2. A detailed breakdown of the debt amount, including the principal balance, interest, and any additional fees.

3. Proof of your legal authority to collect this debt, including a copy of the assignment agreement or any documentation establishing your right to collect.

4. Identification of the original creditor, including their address and the date the alleged debt originated.

5. A record of any payments made ( if applicable ) and evidence that the debt is still legally enforceable.

Until you provide this information, under the FDCPA, you must cease all collection efforts and refrain from reporting this debt to any credit reporting agencies. If this debt has already been reported, I demand that you immediately remove any negative information from my credit report until proper validation is provided. 


Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AZ

Complaint narrative:
XX/XX/XXXX Placed order for XX/XX/XXXX ( invoice attached x2 ) XX/XX/XXXXXX/XX/XXXX Delivered XX/XX/XXXX XX/XX/XXXX LEFT ear piece NOT working XX/XX/XXXX Requested a return via XXXXXX/XX/XXXX return request attached ) XX/XX/XXXX XX/XX/XXXX arrived WITH the return label to pick up item ( pickup receipt attached-showing return reference number XXXX with tracking number of XXXX ) XX/XX/XXXX Return delivered to XXXX XX/XX/XXXX Spoke to XXXX customer service asking about refund. They advised they had not received it. Confirmed with them the return tracking number via XXXX. They then confirmed the item was infact delivered back to them and a refund would be issued. 

XX/XX/XXXX Still no refund from XXXX. Spoke to customer service at XXXX again and they stated to file a chargeback with my bank. 

XX/XX/XXXX Chargeback started with Synchrony Bank ( claim # XXXX ) XX/XX/XXXX Chargeback closed with NO credit issued for item that was returned to XXXX. 

All proof is attached this is complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
On XX/XX/XXXX, I requested an itemized statement of the debt and a 1099C. I never received this information and Instead, the company reported me to chexsystems for Account Abuse for money they charged off. I have every right to get a 1099C from these people. Furthermore, I was denied when trying to open a credit card with XXXX today because of this intentionally damaging reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Ive been dealing with the effects of unauthorized inquiries from your company on my credit report, and its been a constant source of frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I closed my XXXX XXXX XXXX Comenity Bank ) account in XXXX after making a payment of {$160.00} toward the outstanding balance. I believed the account was fully settled and never received correspondence regarding this balance. However, when I reviewed my credit report in XXXX, I was surprised to find a negative balance of {$230.00}. 

Throughout the year, I made multiple attempts to contact Comenity Bank, including sending an email, but I received no response. I was finally able to speak with a representative today, who informed me that was a {$2.00} balance ( no explanation as to where this payment came from ). Interest and late fees accrued on this balance, increasing the amount owed to {$230.00}. 

Despite my efforts to resolve this issue, I have been unable to get adequate support from Comenity Bank. Their handling of this matter constitutes a violation of the Texas Deceptive Trade Practices Act.

Company response to consumer: Closed with monetary relief