vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally report an ongoing issue I have been dealing with for the past two years regarding fraudulent accounts on my credit report. Despite my consistent efforts to resolve this matter, I am still being held responsible for accounts that were opened in my name without my authorization.

I have been in contact with the creditors and credit bureaus repeatedly over the past two years, explaining that the accounts in question are not mine and were opened fraudulently. I have provided documentation, including identity theft reports and police reports, to support my claims, but the issue remains unresolved. These fraudulent accounts continue to appear on my credit report, severely affecting my credit score and financial wellbeing.

I request that the CFPB intervene to help ensure these fraudulent accounts are properly investigated and removed. I am seeking assistance in ensuring that my rights are protected and that the proper steps are taken to address the fraudulent activity on my credit file.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern, Hope all is well. 

My family and I have been Bank of America customers for over 20 years. 

Unfortunately, I'm writing about the unprofessional behavior about representative XXXX XXXX. 

My account ( XXXX ) was charged foreign transaction fees in XXXX. 

The amount of money is very small ( {$160.00} ) and I genuinely believe that this is a small misunderstanding. 

If you listen to an audio from representative XXXX XXXX to me, she stated that Bank of America does not know how fees are calculated. The only way is to call in and find out. This fees in the past had been reversed in XX/XX/year>. 

Representative XXXX XXXX and XXXX XXXX have given conflicting information about this. This has caused a huge level of inconvenience. Is it possible to have someone other than XXXX XXXX or XXXX XXXX look at this. As mentioned, we have been a customer for over XXXX XXXX  I don't understand the difficulty to go through this for {$160.00}. 

Thank you in advance, 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 monetary relief
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: IN

Complaint narrative:
Request 1099 for closed accounts. I requested all accounts that are open being credited from my name. Companies did not provide any information but as admittance to fruad and other laws violated an account was closed and deleted then placed back on credit 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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Account number : XXXX Amount balance : {$2500.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was incarcerated on XXXX and wasn't released until XXXX. Upon being released, I noticed that my Chime account was compromised, and XXXX was missing. I immediately contacted the business chime, sending them my release report from the XXXX XXXX XXXX, providing that I was locked up at the time of all transactions, and disputing the charges. After their investigation, they concluded that no error had occurred. 
So, they denied the returns of my funds that were stolen from me and now I feel that this is wrong on their behalf because I couldn't have used my card for any reason being in jail. 


I have gone to the extent of reissuing all my cards and changing all my login information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
my Cash App account was hacked, leading to unauthorized transactions and a breach of my personal information. When I discovered the fraudulent activity, I reached out for help using the support icon in the app and attempted to dispute the transactions. However, the resolution provided by Cash App was unsatisfactory, as I was only advised to set up a new Cash App handle and card rather than receiving meaningful assistance in recovering my funds or securing my account. I also want to highlight that, not only did I not get my money back, but there was no accessible way to speak with a live representative. The only support option available was through the in-app chat, which was insufficient in resolving my concerns. I believe this incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to access my account and caused significant financial loss and inconvenience. This aligns with the broader concerns raised by the CFPB regarding Cash Apps inadequate protections against fraud. I am seeking accountability for the financial loss and the disruption this incident caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I recently discovered an Ally Financial account on my credit report that I did not open or authorize. According to the report, the account was opened on XX/XX/XXXX, with a high balance of {$14000.00}, and the last activity was on XX/XX/XXXX. Ive never applied for or used this account, and I believe it was opened fraudulently without my consent. 

I reached out to dispute this account with the credit bureaus and Ally Financial, asking for proof that I authorized it. However, Ive yet to receive any documents, like a signed application or transaction records, to show that this account is legitimate.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute and have fraudulent or unverifiable information removed from my credit report. This account has negatively impacted my credit, and I need it resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX FM XXXX XXXX APT XXXX XXXX, Texas XXXX XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute an inquiry that appears on my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that inquiries listed on a credit report are authorized by the consumer or made for permissible purposes as outlined in the law.

The inquiry in question appears to have been made without my authorization. Therefore, I am requesting that you investigate and, if appropriate, remove this inquiry from my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies may only disclose a consumers credit information for specific, legally authorized purposes, such as : With the consumers written consent ; In connection with a credit transaction initiated by the consumer ; or For other permissible purposes outlined in the FCRA.

If the inquiry can not be verified as authorized or permissible under the FCRA, I request its immediate removal from my credit report.

Relevant Law : 15 U.S.C. 1681b This section of the Fair Credit Reporting Act specifies that consumer credit reports may only be accessed for legitimate purposes, including : A court order or subpoena.

Written permission from the consumer.

Legitimate business needs in connection with a transaction initiated by the consumer.

Any violation of these conditions may be a breach of my consumer rights as protected under federal law.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. You may contact me by email at XXXX or by mail at the address provided above. 

These are the laws being violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
Sincerely, 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 explanation
Consumer complaint received 2025-01-27 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: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
I spoke to a representative on XX/XX/XXXX at XXXX  XXXX XXXX about an account that was placed in Chex System XXXX ago. The representative claims that the account was paid, and it's no longer in Chex System as of XX/XX/XXXX. and its nothing else they can do because I'm not in Chex System on their database. They sent me an email to send over to Chex System, but the letter does not indicate that I'm not in Chex System, only that it paid in full. When questioned, they said its nothing they could do because I'm not in Chex System and that Chex Systems knows what to do with this letter when received. this will be the second time i will be disputing this account the first time i disputed with Chex System they refuse to send me information on this account, they response was the source has verified the information as accurate and complete and it will remain on flie at Chex System. I need answers if XXXX  XXXX XXXX say im not on Chex Systems how can Chex Systems verified an account that does not exist.

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 2025-01-27 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
Legal Violations By reporting unfurnished loans, R.A. Rogers and XXXX has violated the following laws : I never obtained any notification from R.A. Rogers or XXXX. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Rogers and XXXX is required by law to furnish accurate information to credit reporting agencies. The reporting of unfurnished loans is false and a clear violation of this statute.

Consumer Financial Protection Bureau ( CFPB ) Regulations : Under the CFPBs oversight, lenders are prohibited from engaging in retaliatory actions against consumers. Reporting false information after my attempt to resolve the issue can be construed as malicious intent.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : Any attempts to coerce or punish consumers through false credit reporting are also violations under this law, particularly as they relate to unjust practices or misrepresentation of debts.

Demand for Immediate Action I demand that R.A. Rogers immediately take the following steps : Remove any and all inaccurate, unfurnished loan reports from my credit history with XXXX, and any other credit bureaus to which R.A. Rogers and XXXX may have reported. 
Provide me with written confirmation that these changes have been made within 30 days. 
Failure to comply with this request will result in the filing of formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and possible legal action for violating my consumer rights under the FCRA, FDCPA, and other applicable laws. 

I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I OBTAINED A CREDIT REPORT FROM XXXX XXXX XXXX XXXX, REPORT # XXXX. AND I SEE A inquiry from XXXX XXXX ON XX/XX/year>, XX/XX/year>. I HAVE NEVER CONTRACTED WITH XXXX XXXX TO FURNISH ANY TYPE OF REPORT TO ANY COMPANIES.

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 2025-01-27 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I OBTAINED A CREDIT REPORT FROM XXXX XXXX XXXX XXXX, REPORT # XXXX. AND I SEE A inquiry from XXXX XXXX ON XX/XX/year>, XX/XX/year>. I HAVE NEVER CONTRACTED WITH XXXX XXXX TO FURNISH ANY TYPE OF REPORT TO ANY COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
My account was compromised and I contacted cashapp to resolve the issue but they didnt respond. I have since received a form for taxes saying that I have received a sold over {$10000.00}. I have closed my account eyc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/XXXX XXXX try to deposit some cash to my venmo account on XXXX XXXX ATM, and I didn't know that u can't deposit cash to venmo and I got a receipt that said that was deposit to checking but nothing went to my venmo account so now, XXXX XXXX or venmo doesn't want to refund my money so don't know we're my money is...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX, Equifax 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 unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax 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 XXXX 's, Equifaxs inaction violates federal law and my rights as a consumer. Accounts : DEPT OF EDUCATIONXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, Sequium Asset Solutions , LLC reported to the XXXX credit bureau that I had an account in collections in the amount of {$9400.00}. However, I had no knowledge of this account, had never been contacted by Sequium Asset Solutions , LLC, and was not responsible for this debt. I promptly disputed this with XXXX, and it was removed from my credit report XXXX  days later ( XX/XX/XXXX ). Fast forward to today, XX/XX/XXXX - XXXX now have a notification from the XXXX credit bureau that Sequium Asset Solutions , LLC has once again reported the same collections account, this time to a different credit bureau. However, I still have no knowledge of this account, have NEVER been contacted by Sequium Asset Solutions , LLC, and am not responsible for this debt. This account is fraudulent, has successfully been disputed, and yet Sequium Asset Solutions , LLC continues to harass me via punitive measures to report this account to the various credit bureaus. This behavior is unacceptable and needs to stop.

Company response to consumer: Closed with non-monetary relief