vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: KY

Complaint narrative:
Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

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 2025-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
For context, here are XXXX complaints that I have made to the bank : XXXX. XXXX XXXX. XXXX They have locked my account, and the reason is that the bank was unable to verify my account with my other bank. 

I had multiple calls with them. Right now, they are saying that they are waiting for bank statement from the other bank which I have already sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am writing to dispute inaccurate personal information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to request that only accurate, complete, and verifiable information be reported. The following names, addresses, and employers on my report are incorrect and must be removed immediately. 

XXXX. Incorrect Names to Remove : 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 My correct and only legal name is XXXX XXXX. 

XXXX. Incorrect Addresses to Remove : 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 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 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 

3. Incorrect Employers to Remove : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX My  correct and only employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Legal Basis for Removal : Per the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. If any of the disputed information can not be verified, it must be deleted. I request that you immediately : Remove the inaccurate names, addresses, and employers from my report. 

Provide a written confirmation of these removals. 

If you choose not to remove any of these items, provide me with documented proof of verification, including the source of this information.

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 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPT OF ED/XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/year>, I received my tax refund from RI of {$450.00} in my XXXX XXXX. However, I was traveling in XXXX at the time and out of the country. The check was stolen from my mailbox and falsely deposited under my name. Please see the attached photo of the check that was deposited, where someone wrote my name, XXXX XXXX, then XXXX XXXX... something on the next line. I received these documents from RI Taxation, who issued a forged check affidavit which I signed and returned. 

I contacted Citizens Bank who said they can not reverse the transaction once it's been deposited, and I gave them the check number of XXXX XXXX. The delay is because the XXXX took a long time in issuing a police report, which is also attached, which was required by the RI tax department for submitting my forged check affidavit. Despite submitting all these materials ( see my accountant 's letter for identity theft ) in XXXX, I never got a response from RI Tax until this winter ( I could never reach anyone there despite multiple attempts ), when they said the bank can't reverse it despite it being clear as consumer fraud and identity theft, and they can not reissue the check as it's out of their hands. 

I have exhausted all options and feel the bank was unfairly taking advantage of consumers who were subject to clear and obvious fraud. The bank refuses to take any action and the {$450.00} that I was entitled to as a refund is just lost. I am a student, and this refund is important to me, and clearly matters way less to Citizens Bank, a large corporation. I feel as I am both a victim of identity theft but also Citizen Bank 's ineffective fraud prevention system that even allowed this check to be deposited. Consumers should not be punished for a bank 's security failings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I got an email on XX/XX/XXXX notifying me that my account was locked and I needed to call them. I tried to access my account from the Chase app and it told me that I could not access my account and gave me the phone number to call. I called the bank and was informed that my account has been marked for closer. When I asked why, I was told that when I signed up for my account, I signed a document saying the bank could close my account and they didnt have to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: LA

Complaint narrative:
I have never heard of this company and know 100 % that the debt is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called XXXX of XXXX to close my CD after I just opened it since I got a better offer with XXXX. They said that I can not close since its just within XXXX. I just have to call back after XX/XX/XXXX. I was busy at work that I forgot to call back. Last night XX/XX/XXXX, i tried to close my CD but the rep said a XXXX can help me unfortunately I have to call back since the managers are available mornings. Called this morning, the rep told me I cant close my CD because I have to wait XXXX  days, Talked to a supervisor and was rude, she was working at home but i can hear her daughter screaming, etc basically its unprofessional. After i asked her if shes at home, she was giving me a XXXXXXXX  XXXX  XXXX  XXXX. I asked her if I can get the policy where its stated that CD needs to be opened for XXXX before you can close it but she said that it is not listed its just Discover can change its policy. I am complaining for this because XXXX. It is my money, i just need it XXXX. Discover should inform their consumer about policy and be specific with days. XXXX. Supervisors should be trained and be professional even working at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Aidvantage recalculated my repayment recently ( XX/XX/scrub> 2025 ) and more than doubled my monthly repayment from {$580.00} to {$1100.00} as of XX/XX/year>2025. This nearly {$1200.00} a month amount is unreasonable in light of my expenses and my ability to make such payments. In XX/XX/year>2025, Aidvantage directed me to pay {$610.00} which seemed more reasonable and achievable after I called and spoke with a representative ( XX/XX/year>2025 ) about my circumstances. The representative said that I could seek a recalculation on the website, but Im unable to locate any such information or link that allows that on Aidvantages website. The loan servicers actions seem deceptive and unlawful because they appear to give the impression that I would pay an amount that I was capable before they raise the amount to more than double what I was paying in the recent past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I took a loan from XXXX  XXXX  of comenity bank to pay for a XXXX  procedure. 
I told the representative on the phone I just moved to America and I dont understand the financial system and asked her to explain to me how the loan works, she said its a free interest loan. The company never provided me any documentation of the loan or statements but I continued to pay off the loan every single month. 

Now after 18 months they charged me for interest, and refusing to deduct it even though they didnt provide me with any kind of documentation of the terms of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was notified on XX/XX/year> that capital one 360 was ending their banking relationship with me with no reason given. I still have funds in the account that they restricted my access to. Ive called several times and I keep getting no information. I contacted the bank again on XX/XX/year> and was told that I needed to come into a branch to verify my identity with 2 forms of identification and then the branch rep would call the XXXX number and the restriction would be moved and my funds would be sent out by check. I came into the cafe in XXXX on XXXX and worked with XXXX who called the XXXX number and they were saying I cant verify my identity because the investigator completed the investigation on the account and needs to investigate more and that I need to call back every day for an update. I do not want to do any business with these people and want the account closed completely and I want my funds issued to me. Theyve been holding my money for over 1 1/2 months with no reasoning, explanations, timelines or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 Monarch Recovery Management Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of following documents : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: WV

Complaint narrative:
I paid this account off and then closed it. They report the account closed but show a balance of {$980.00}. I disputed this with Experian on XX/XX/XXXX, and on XX/XX/XXXX I receive an email that they investigated and found the account to be accurate.

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 2025-03-01 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: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I paid this account off and then closed it. They report the account closed but show a balance of {$980.00}. I disputed this with XXXX on XX/XX/XXXX, and on XX/XX/XXXX I receive an email that they investigated and found the account to be accurate.

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Robinhood a stocks and crypto app decided to close and restrict my account after depositing {$2200.00}. Now I am unable to get my money out and I dont know what will happen with it. I have rent and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
My personal info was found in numerous times in 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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: IN

Complaint narrative:
I have not permitted this inquiry. I did not engage with this lender on the given date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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 2025-03-01 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: LA

Complaint narrative:
On XX/XX/year> I wrote a letter to XXXX XXXX XXXX XXXX  to have late payments removed from my credit report with the credit bureau and asked for a written response but never received one. Since then the late payments are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
On XX/XX/year> I wrote a letter to XXXX XXXX XXXX department to have late payments removed from my credit report with the credit bureau and asked for a written response but never received XXXX. Since then the late payments are still on my report

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