vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Case Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Complaint Mishandled {$10000.00} Wire Fraud by Zions Bank XXXX XXXXXXXX XXXX Case No. XXXX To Whom It May Concern : I am filing this complaint regarding the mishandling of a fraudulent {$10000.00} wire transfer involving Zions Bank ( originating institution ) and XXXX XXXX XXXX receiving institution ). Both institutions failed to follow mandatory federal fraud-response, XXXX, and Customer Due Diligence ( CDD ) requirements under the Bank Secrecy Act and FinCEN regulations .

SUMMARY OF FAILURES : The fraudulent wire transfer was immediately reported under Case No. XXXX. 
Zions Bank failed to provide updates, failed to explain their process, and failed to escalate internally according to required XXXX procedures. 
Zions withheld information for nearly a week and provided no documentation of recall efforts or SAR activity. 
XXXXXXXX XXXX XXXXccepted funds into an account that appears to have been fraudulently created or used. 
XXXX Bank failed to detect suspicious activity or prevent the rapid movement of funds. 
Both banks failed to comply with the FinCEN Beneficial Ownership Rule ( 31 CFR 1010.230 ) and XXXX CDD Guidance regarding monitoring, escalation, and reporting of suspicious transactions.

I request an immediate supervisory review of : Zions Banks compliance failures and communication delays XXXXXXXX XXXX account-verification and AML monitoring XXXXailures Whether SARs were filed Whether the institutions followed proper interbank recall procedures Whether my financial loss resulted from negligence or regulatory non-compliance Please provide confirmation of receipt and assign this complaint to an investigator. 

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 2025-12-08 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: CA

Complaint narrative:
I am disputing the following accounts and inquiries on my credit report. These items are inaccurate or incomplete, and I request a thorough investigation into these discrepancies to ensure the accuracy and compliance of my credit report. 

CHARGED OFF : XXXX, XXXX, XX/XX/year>, {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I co-signed for my sisters car along with her. XXXX had the car for 3 years now and in that time frame I have constantly tried to get my Name off of the car being as though that was just a stepping stone for her until she got back on her feet. I did my sister a favor to help her out. I have tried to work it out with her trying to remove my name along with the company credit acceptance back in summer of last year. The company informed me they would need both of us to be on the phone but my sister did not want to follow through with that. She has constantly made a lot of late payments through this whole time since shes gotten this car which made both of our credits go down. Now her car is stuck on my credit. 

In XXXX, I purchased a XXXX XXXX  for myself. Last year back in XXXX I decided to try and trade it in to get a better car because the XXXX was not working properly. The car dealership told me they wouldnt be able to take it that we should try to sell it or rent it out. I we rented it out and then tried to sell it but with no luck. I finally decided to surrender the car because I did not want it to go for repossession. My company at that time XXXX XXXX XXXX XXXX informed they were going to try and sell the car and whatever is left I would have to pay. The company is requesting that I pay the whole balance which is XXXX and that was the amount from the start. They did lower it to XXXX but I dont have the car and do not feel I should have to pay all of that as it was promised to me the car was going to sell. And now it is in collections.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Around approximately XX/XX/year> I got a bunch of emails saying I opened a debit account which I thought were spam. On XX/XX/year> I received a debit card in the mail. I will be calling to cancel the account today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
b"Consumer Name: XXXX XXXX Consumer Social Security Number: XXXX Consumer Date of Birth: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 Experian 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 credit card account opened atXXXX 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 XXXXThese accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer FICO credit report. I've attached a list of the collections and charge off accounts 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  XXXX 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 2025-12-08 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: PA

Complaint narrative:
b"Consumer Name: XXXX XXXX Consumer Social Security Number: XXXX Consumer Date of Birth: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 Experian 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 credit card account opened atXXXX 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 XXXXThese accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer FICO credit report. I've attached a list of the collections and charge off accounts 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  XXXX 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 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Good day. I can not overstate how frustrating and debilitating this situation has been. I was shocked to discover a debt that is entirely unfamiliar, unverified, and absolutely not mine. Since then, I have been subjected to repeated harassment across multiple communication platforms, using varying tactics, including threats of legal action. This is completely unacceptable and deeply insulting, especially as a law-abiding citizen whose consumer rights are being blatantly violated. This ordeal has taken a serious toll on my mental health, causing significant stress and several nights of lost sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I applied for a XXXX XXXX Loan with Newrez LLC. Intially everything seemed to be going well but after we paid for the appraisal and had that completed all of a sudden we heard nothing back from Newrez. They stopped answering phone calls, emails and never returned our calls after leaving voicemails to them. We ended up having to go with another company and after multiple attempts at trying to get our money back from the appraisal to pay for a new appraisal, we were still unsuccessful. This company through their horrible customer service has shown me just how unprofessional they are. I will never go through Newrez and I highly recommend nobody use this company for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I received my deposit of {$170.00} from XXXX. I talked to my employer the next shift which was the next day XX/XX/XXXX they told me they would email payroll and I was waiting for someone to let me know and the assistant manager told me a week later that XXXX has not received the funds and to talk to my bank. I called them that day as well as last week and today and they told me theres nothing they can do because they already reviewed it and that because I had a negative balance the funds were automatically used to pay that off. I was referred to the charge off customer service and asked to file a dispute and an ach return and to escalate it but they refused and said they can not I also didnt realize but I had changed my direct deposit the day before the XXXX because I saw that it was an old account, not knowing that they had already processed the direct deposit. On XX/XX/year> I emailed my employer XXXX payroll, and they told me theres nothing they can do because they had already processed the check and they can not issue a stop deposit reversal because its already passed the deadline of five days after the deposit but no one informed me that until just today which is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and 15 U.S.C. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> an incident occurred where {$1200.00} was stolen from my bank account using XXXX. The bank must have noticed since I got a text saying charges were declined and asked if I authorized them. I replied 'NO ' and got the response that my debit card will be frozen and a new one sent. I noticed days later that the funds that the bank initially declined where withdrawn. When I spoke to their fraud department to dispute this an investigation was conducted where they determined on XX/XX/XXXX that the funds were authorized. I asked for a second investigation into the matter where the same determination was made on XX/XX/XXXX. They were given the text message communication where I expressed the funds were not authorized and a police report of the incident where the theft took place. Those documents should have been definitive evidence to reverse the withdrawal but the bank wanted me to dispute the transaction with XXXX as a proper resolution since they were used to access the account. XXXX disputes also came to an unfavorable conclusion despite the same evidence presented to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-08 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 am disputing information on my Equifax credit file because it is inaccurate, incomplete, and likely violates my FCRA rights. Please conduct a reinvestigation of the items listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LATE PAYMENTS ( INACCURATE ) Equifax is reporting late payments that are not accurate or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these late payments or delete them if they can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Social security used to deposit into my chime account. Someone gained access to my information and fraudulently obtained my cash amongst purchases. I called chime to question this activity after a fraud alert came to my phone via text. They told me there was nothing they could do even after I told them was not authorized by me nor was it me. I reported and made a statement to local police department. Chime then closed my account. However the returns, refunds & chargebacks has been deposited back on XXXX XXXX 2025. CHIME WILL NOT DISCUSS ANY FURTHER WITH ME OR FIQURE OUT TO GET ME MONEY THAT IS DUALLY MINE. PLEASE HELP

Company response to consumer: Closed with explanation