vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am frustrated that I have to dispute all these inquiries on my credit report I have been utilizing credit in the USA for the past 4 years. I would never give anybody permission to use my social information are harming me. I know how to go to the bank I know this wasnt me I will never play with my credit like that my rights have been violated. 
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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 2025-02-08 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: GA

Complaint narrative:
Purchased a couple small items from XXXX. ( XXXX based company ) XXXX. Couple products came and were damaged or missing parts. We were promised by XXXX they would credit us {$80.00} compensate for issues. Never happened. 

Also, In the mean time XXXX charge {$1800.00} charge come through from same company that was fraudulent. Truist Bank said all was delivered and didn't do anything about. So I believed there was 4 transaction on the Truist Credit Card and only 2 were legit and should have been credited back for a portion of those even. {$1800.00} transaction if 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 monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
My credit report was involved in a data breach with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime is in violation of reg e. On several occasions Ive requested documentation/ an explanation as to why my case was denied. Chime continues to give the same answer stating that they dont have any documentation/explanation for the denial of my claim. This supports the hypothesis that chime has not investigated anything as they cant provide anything showing an investigation was conducted. Chime continues to deny every rebuttal Ive filed. I also have reason to believe chime tried to sabotage my claim by incorrectly filling out my dispute intake form to ensure a denial of my claim. Chime continues to deny my claim however, only sends back a list of the transactions, a copy of the intake form, and a copy of the police report. None of which supports their claim of no error having occurred due to the fact that all of those are the documents Chime requested I send in, with no documents of their own that supports the denial of my claim. To my complaint I have attached the police report, the incorrectly filled dispute intake form, as well as the documents chime sent to me which are indeed my documents sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
I want reported collection accounts to be removed from my credit as I have no knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act, specifically Cash App failed to take timely and effective measures to prevent an 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 2025-02-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
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 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
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 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 2025-02-08 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:
HARD INQUIRIES ACCOUNT NAME : 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 non-monetary relief
Consumer complaint received 2025-02-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HARD INQUIRIES ACCOUNT NAME : 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 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
I've taken some time to review my payment history for XXXX and have noticed some differences between what is listed on the Mohela site and what my bank account lists as payments sent to Mohela. 

I sent Mohela a secure message on XX/XX/XXXX asking them to review the transactions. They have not responded. I filed a complaint with FAFSA on XX/XX/XXXX. They have not responded. 

XX/XX/XXXX : Mohela lists payment received : {$170.00} My bank account lists payments sent to Mohela : {$250.00} and {$550.00} XX/XX/XXXX : Mohela lists payment received : {$230.00} My bank account lists payments sent to Mohela : {$230.00} XX/XX/XXXX : Mohela lists payment received : {$220.00} My bank account lists payments sent to Mohela : {$600.00} Mohela lists my total payments for XXXX : {$4600.00} My records show my total payments for XXXX : {$5600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am submitting this formal complaint against CBNA ( Best Buy ) for its failure to remove a fraudulent credit card account that was opened in my name without my authorization on XX/XX/XXXX from my credit history. 

Background I have been a victim of identity theft. On XX/XX/XXXX, fraudsters changed my mailing address via the U.S. Postal Service ( USPS ) to an address with which I have no connection. 

Subsequently, during the course of XXXX, they opened multiple credit card accounts with various U.S. banks, as well as a XXXX phone account, using this fraudulent address. They also registered accounts in my name with XXXX, XXXX, and XXXX and used a phone number that does not belong to me. 

My Residency & Evidence of Fraud I have not been a resident of the U.S. since XXXX, when I moved to XXXX. I currently live in XXXX, XXXX XXXX, and did not visit the U.S. between XX/XX/XXXX and XX/XX/XXXX, as evidenced by my passport. My permanent U.S. address since XXXX has remained in XXXXXXXX XXXX 

I have filed an identity theft report with USPS and submitted extensive documentation to CBNA/Best Buy in XX/XX/XXXX, both via mail and online, including : Two police reports FTC report Signed copy of my Social Security card Passport copies Debit card statements proving my XXXX address was never changed XXXX lease agreement Utility bills Additionally, I have disputed this fraudulent account with all three major credit bureaus. 

CBNAs Failure to Act Despite this overwhelming evidence, CBNA remains the only financial institution that has refused to close the fraudulent account and continues to insistwithout justificationthat I opened it. Given that a year has passed since I first discovered and disputed this fraud, I believe CBNA is acting in bad faith, potentially to avoid the compliance and financial repercussions of acknowledging fraud within their system. 

Request for Further Investigation Some transactions on this fraudulent CBNA account were made in person. I have requested that CBNA : Review security camera footage from the merchants where in-person transactions occurred, which will confirm that I was not present. 
Compare my signature, which has remained unchanged for 20 years and is visible on my passport and Social Security card, against any signatures on payment receipts for this fraudulent account. 

Formal Request Given the compelling evidence presented, I formally request that CBNA immediately remove this fraudulent account from my credit history and cease any further attempts to hold me accountable for it. 

I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This company calls at all hours of the day. They call around XXXX and they call during work hours REPEATEDLY. And what makes it even worse, they call from multiple different phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a check from a title settlement company from a buyout agreement i had. I was brought out of the deed of the house. I went to Chase on XX/XX/XXXX to open an account and deposit my check into that new account. The banker i had the appointment went opened an account for me and said that the funds will be released on XX/XX/XXXX. On XX/XX/XXXX i received a text from chase saying i needed to contact them regarding my account and if I didnt, my account would be closed. I called customer service and chase told me they had problems verifying the number on the check. She told me without the number being verified with the business she could not let me access. The funds in my account was restricted. I called the title company that same night and left a message for them to call me back. I called the title company again on XX/XX/XXXX and explained the situation and they said the phone number on the check is the business phone number. She then sent me a contact to a lady that is in charge of writing the checks out. She told me that she can put a stop to the check from being deposited so she can just send me a wire transfer. when she checked the business account, she says that the money has already been cleared out of their account so she could not put a stop payment on the check. She told me she could talk to someone at chase to confirm the account. Chase would not accept that. They said the company had to add there phone number to public records and that chase uses a database that verifies the phone numbers on the checks and that settlement business wasnt in there data base. I have been going back and fourth since then trying to provide phone numbers to chase that will work. I also went into the branch again and tried to get the account unrestricted. The branch manager even called and tried to get the account unrestricted, but it did not work. Chase just keeps saying that they need a phone number to match both businesses on the check. They even spoke to the law office who is written on the check and everything, but they still will not accept it because of the phone number on the check. Chase is keeping my money in the account but not available for me to use until i find a phone number thats in there database.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Private student loan
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: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I received a notice from small claims magistrate court saying I owe a balance that I have not been contacted about nor knew about. It gave me a date to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Entry Resurgent Acquisitions LLC Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate entry on my XXXX credit report related to an account with Resurgent Acquisitions LLC. The account, which was reportedly opened on XX/XX/XXXX, and subsequently charged off, contains incorrect and misleading information that is negatively impacting my credit score. 

Account Details : Creditor : Resurgent Acquisitions LLC Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off {$490.00} Written Off Credit Limit : {$300.00} Balance : {$0.00} ( Updated as of XX/XX/XXXX ) The primary issues with this entry include : 1. Possible Errors in Charge-Off Status The reported charge-off and write-off may not have been handled properly or may not reflect the accurate status of my account. 
2. Balance Discrepancy My report shows a {$490.00} charge-off despite a {$300.00} credit limit, which raises concerns about inaccurate reporting. 
3. Incorrect Assignment of Debt The account has been noted as purchased by another lender, but I have not received any formal communication or verification regarding this transfer. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this entry be fully investigated and corrected. I am also requesting that XXXX provide validation of the debt, including documentation verifying the legitimacy of the charge-off, account balance, and assignment details. 

If this account can not be properly verified, I request that it be removed from my credit report immediately. Please conduct a thorough review and provide me with an update on this matter at your earliest convenience. 

I appreciate your attention to this issue. Please confirm receipt of this dispute and provide a response within the legally required timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My payment for XX/XX/year> was returned by Capital One 360 checking account. So the Capital one credit card ending XXXX was charged me XX/XX/XXXX past due fee {$25.00} & XX/XX/XXXX interest {$8.00}. The reason for returned fee was the checking account post my transfer 3 days later, this was not my fault! 
Since both checking and Credit Card are from Capital One, I am complaining with same company.

Company response to consumer: Closed with explanation