vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: GA

Complaint narrative:
I received an ACH deposit on XX/XX/2024 from my publishing company ( who has previously sent ACH deposits to this same account ) to an already closed checking account that I had with Synovus. The checking account had already been closed prior to the deposit being sent, so Synovus kept assuring me that it had been sent back to the depositor. Fast forward, I was finally able to speak with someone from Synovus who also failed to understand why the funds from the ACH deposit were unable to be located not only by the depositor, but also all previous employees I'd spoken with from Synovus. She informed me that the funds had actually indeed been accepted by Synovus, although they normally wouldn't have accepted them due to the funds being deposited to an account that had already been closed. She also informed me that when the funds were accepted, some were used to pay a balance that was owed, but the remaining funds were and are still being held and investigated. After 6months of persistently trying to find out the status of this specific deposit, I learned that the entire time they had been sitting with Synovus and the remaining balance after paying what was owed should have indeed been mailed out to me via check but failed to ever be mailed due to some type of " investigation. '' If this were the case, then why was the TOTAL amount not immediately held and investigated and not just the remaining balance after accepting/taking their owed amount first if there was some type of real concern with the nature of the ACH deposit? With me no longer being a client of Synovus, nor having an owed balance, how are my funds STILL after 6 months having and being hidden, being held and not rightfully disbursed to me. On top of continuously not informing me of any information about when I would be able to receive them or why they're even being held. It unacceptable, unprofessional, and unfair especially with the fact of this was not the first ACH from this specific depositor. I would like to be able to obtain the remainder of my finances from Synovus asap with the intentions of no longer ever having any ties or dealing with them in the future. Their way of conducting business and handling clients is completely unacceptable and simply sad!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX i emailed XXXX  about having my account unfrozen. I was then emailed back that i violated XXXX terms and my account was permanently deactivated. I was left confused with no idea what possibly could havd happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/XXXX I spoke with Mohela regarding my student accounts on recorded line in which I made a payment and the individual I spoke with stated if I made a payment I would not be reported to the credit bureau. However, I was that reported delinquent the following week on XX/XX/XXXX which my credit and my mother who has a XXXX XXXX ( XXXX XXXX ) is my co-signer on the account down almost XXXX points. The individual did not give me other options to bring my account current but options to lower payment to about XXXX XXXX and sent option vial email to fill out paperwork and send back. I then spoke to someone again on XX/XX/XXXX Regarding the same accounts who seen the previous call and provided different information for the account and again gave me another option to lower payment to XXXX XXXX on same accounts. I keep being told misinformation or different programs. Even during the call she made the statement that I was given 3 different options 3 separate times because I also called on XX/XX/XXXX and spoke to another individual so I dont believe I am given correct information to make inform decision regarding my student loans accounts which in turn impacts my credit score. Also on credit reporting website XXXX its says Federal student loan payments now report to the credit bureaus when 90 days late. Make sure to keep your account current. and I was reported 60 days which is also misinformation displaying on website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information 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 2025-02-06 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights. This also includes same measure of actions with TransUnion and Equifax.

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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights. This also includes same measure of actions with TransUnion and Equifax.

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 2025-02-06 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: AZ

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding wrongful and fraudulent information on my credit report. Despite my efforts to dispute these inaccuracies with the credit bureaus and the financial institutions involved, the fraudulent accounts and incorrect information remain. 

I did not authorize these accounts, and their presence on my report is negatively impacting my credit standing. I have already reported this issue, yet no action has been taken to remove these accounts. I request immediate intervention to have these fraudulent entries deleted and to prevent further damage to my credit. 

Please assist in resolving this matter as soon as possible. I appreciate your prompt attention to this serious issue. 

Sincerely, 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 2025-02-06 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5200.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$5500.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
I NOTICED A FRAUD ACCOUNT DUE TO THE DATA BREACH THIS ACCOUNT ISNT MINE.

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 2025-02-06 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: AR

Complaint narrative:
I NOTICED A FRAUD ACOUNT LSTED ON MY CREDIT REPORT DUE. TO A DATA BREACH

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 2025-02-06 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: PA

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 within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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.

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Cash app XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Cash App ( Block Inc. ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Subject : Dispute of Unauthorized Charges & Immediate Refund Request Dear Cash App Disputes Department, I am writing to formally dispute unauthorized charges on my Cash App account, which I have identified in my payment history. Despite following the proper procedures for reporting fraudulent transactions, these unauthorized charges have not been refunded to my account. 

Details of the Disputed Transactions : Account Holder Name : XXXX XXXX Cash App Account Email/Phone Number : XXXX, XXXX, XXXX Transaction Date ( s ) : { All of XXXX  transactions are not mine XX/XX/XXXX to XX/XX/XXXX }, { All Credit strong transactions starting from XXXX XXXX to XX/XX/XXXX XXXX, { All XXXX transactions from XX/XX/XXXX to XX/XX/XXXX }, { Any XXXX transactions from XX/XX/XXXX to XX/XX/XXXX } Transaction Amount ( s ) : { XXXX transactions total {$4100.00} } XXXX { XXXX transactions total {$920.00} }, { XXXX transactions total XXXX }, and XXXX add up to {$1500.00} } . 

Supporting Documents Enclosed : 1. Cash App transaction history highlighting the disputed charges. ( In account data ) Under federal law, including the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are required to investigate and resolve unauthorized transactions in a timely manner. Additionally, the recent Consent Order between Cash App ( Block Inc. ) and the Consumer Financial Protection Bureau ( CFPB ) reinforces your obligations to provide prompt and fair dispute resolution for unauthorized transactions. 

Given the evidence provided and the legal requirements imposed on your institution, I demand that all unauthorized transactions be refunded to my account immediately. If this matter is not resolved within the required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for further enforcement action. 

Please confirm receipt of this letter and provide a written response regarding the resolution of my dispute. You may contact me at XXXX or XXXX ] if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone tried to use my personal information to file taxes for the year of XXXX. I had to bank accounts closed because someone used my personal information to overdraw my accounts. XXXX at Bank of America for {$1100.00} dollars. XXXX XXXX account was closed because my information was used by someone from an foreign country account was closed. Someone used my personal information from my XXXX XXXX  account for {$1800.00}. The bank closed that account but allowed me an opportunity to open a different account. But I owe them {$1800.00}.

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 2025-02-06 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-02-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : Account Name : XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX  Account number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-02-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : Account Name : XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX  Account number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/2022 I was charged a holding fee of {$100.00} at XXXX XXXX. The transaction was canceled and no gas was pumped. I contacted XXXX about getting a refund they said on their end it showed the transaction was canceled to contact cash app. I contacted cash app and they never fixed it nor acknowledged. 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.

Company response to consumer: Closed with explanation