vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A check was cashed by an unknown person erroneously by the financial institution I bank with. NOT the entity in which the check was written to. Check even had my account number written at the bottom left of the check. 
Check was also written to XXXX ( which is my payee ) After calling company ( XXXX ) to verify why check wasnt cashed and not getting any answer from them or from my bank I decided to open a claim with my financial institution. 
Because I am out of the time frame my financial institution states to be required to open/file a claim they are NOT considering the claim valid.

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 2025-03-24 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:
I am listing 2 accounts fraudulent from XXXX XXXX and Transunion XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXXXX/XX/XXXX. Listed accounts and inquiry do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting XXXX XXXX and Transunion to mark these accounts and inquiry as fraudulent and remove from my Credit Reports.

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 2025-03-24 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: IL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation.

The following late payment remarks require immediate correction : Company Name : XXXX - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am filing a formal complaint against Chime regarding the closure of my account and their failure to return my remaining balance within the time frame they originally provided. Despite multiple attempts to resolve this issue directly with Chime, I have been met with misleading information, delays, and a lack of transparency. 

Details of the Issue : Chime closed my account while there was still a balance remaining. 

They initially informed me that a check would be sent within the time frame specified in their own policy. 

More than 30 days have passed since I was first told the check had been sent, but I have yet to receive it. 

When I contact Chime, their representatives provide inconsistent and misleading information. 

Initially, they claimed the check had already been sent, which was false. 

When I confronted an agent about the misinformation, they admitted to telling me what I " wanted to hear. '' Later, they changed their explanation, stating that the timeframe only includes business days, despite the fact that the official email I received from them does not specify business days. 

Their customer service is unhelpful and difficult to understand due to communication barriers. 

To this day, I have not received my money, and Chime has failed to provide tracking or confirmation of the checks issuance. 

Request for Resolution : I request that the CFPB investigate Chimes handling of account closures and the return of customer funds. Specifically, I would like : Confirmation of when the check was actually issued and mailed.

A resolution that ensures I receive my funds immediately.

A review of Chimes customer service practices to prevent deceptive communication with customers. 

Any applicable penalties or corrective actions imposed on Chime for their failure to return funds in a timely and transparent manner. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if you require any further information. 

Amount {$93000.00} Date of the closure XX/XX/year> Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against SoFi Bank regarding their mishandling of a dispute for unauthorized transactions on my account, their failure to return my funds, and their subsequent decision to close my account without resolution. Despite my attempts to appeal and provide supporting evidence, SoFi has ignored my requests and has failed to provide any updates.

Details of the Issue : I disputed unauthorized transactions on my debit card with SoFi, and they informed me that I needed to wait 10 business days for a resolution.

I waited the required time, and the merchant involved provided documentation confirming that the dispute had been resolved in my favor.

Despite this, SoFi did not return my funds and instead proceeded to close my account without providing any further information.

I was told I could appeal their decision, which I did by submitting supporting evidence explaining why I was challenging their ruling.

SoFi has failed to respond to my appeal, ignoring my request for over a month.

Now that my checking account has been closed, I am unable to contact them for further inquiries regarding my case.

Request for Resolution : I request that the CFPB investigate SoFi Banks handling of unauthorized transaction disputes, account closures, and lack of response to customer appeals. Specifically, I would like : A clear explanation of why my dispute was not resolved in my favor despite merchant-provided evidence.

An immediate refund of the disputed amount.

A response to my appeal, as originally promised by SoFi.

A review of SoFis customer service and dispute resolution process to prevent other customers from experiencing similar issues.

Any applicable penalties or corrective actions imposed on SoFi for their failure to follow fair banking practices.

I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if you require any further information. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-03-24 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: Regional Management Corporation
State: TX

Complaint narrative:
15 U.S. Code ; 1681c-2 : 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : REGIONAL FINANCE Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : DEPT OF EDXXXX Account # : XXXX Account : DEPT OF EDXXXX Account # : XXXX This account should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage had my mailing address, to my office. PHH admits that for unknown reasons, and without even a confirming written communications to my mailing address, PHH on its own, changed the mailing address. I received no further statements or written communications from PHH. PHH changed the payment amount very slightly. I paid each monthly payment, on time, and PHH accepted my payment. But without any communications to me, PHH kept the money, did not apply it to the monthly payment, charged late fees each month, and used the next month 's payment on the last payment, creating a situation where the money was accepted, PHH charged a late fee, reported a month late to credit companies, and has now sent pre-foreclosure documents to me. I discovered the PHH issue in XX/XX/year>2024, I paid the total difference amount over the six months or so this had gone on, and PHH continues to report the loan late, because it continues to charge late fees each month. PHH is about to foreclose. I send the new slightly higher payment amount each month, on time, but PHH charges a late fee and reports it late, because it charged out a lot of money already. PHH won't review their decisions and won't correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name : XXXX XXXX XXXX Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-24 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: IL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
XXXX I CONTRACTED WITH XXXX XXXX TO INSTALL XXXX ONTO MY NEWLY AQUIRED PROPERTY AT XXXX XXXX XXXX, XXXX XXXX, CA. WE WORKED TOGETHER FOR MANY MONTHS AWAITING FINAL PERMITS ( COVID INTERUPTION ). XXXX PARTNERD WITH SOLAR MOSIAC LLC FINANCE TO ASSIST WITH MY FINANCING OF THE PROJECT. AFTER MANY MEETS FOR UPDATE, ETC. THY SUDEENLY IN XXXX, SHUTTERED THIER OFFICES AND WOULD NOT RESPOND TO PHONE CALLS. OBVIOUS ABANDONMENT OF MY PROJECT. MOSIAC CONTINUES TO HARASS ME ROUTINELY FOR PAYENT, OF WHICH I RECIEVED NO PROJECT. I AM DISPUTING THIS DEBT, AS MULTITASKER SET UP THE FINANCING AND I FEEL THE RESPONSIBILITY LIES WITH THE CONTRACTOR. TO DATE, I HAVE NO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX 
XXXX. XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint with a copy of a law enforcement report in XXXX, 2024, with all three credit bureaus. XXXX XXXX ) months later, they had cleared 3 of the 4 fraudulent accounts as being fraudulent. They were XXXX, XXXX  and XXXX. Only XXXX 's was finally shown as completed just last week. The reason stated was " written off as a bad debt. '' THIS IS WRONG!!! It is, and was, a fraudulent account established in my name without my permission. The Transunion report is WRONG, still adverserly affecting my credit score. I'm sick and tired of dealing with such an untrustworthy and extremely slow acting credit bureau who barely corresponds in a way I can understand it and if they were in a race with a snail, the snail would win. Horrible and inaccurate service and result. Correct the XXXX 's as " FRAUDULENT '' and NOT 'written off as a bad debt ''. If this is not corrected within ten days of this report, my next correspondence witll be directly to the FTC and from my attorney. ENOUGH IS ENOUGH!!!!!!!

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 2025-03-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-03-24 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: NJ

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief