vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
As an XXXX XXXX business owner, I have been treated unfairly by Regions Bank due to a lack of direct communication and understanding of my situation. 
My Story! I and my wife XXXX have had XXXX business with the State of Florida. 
as Independent company 's. During the time with the State we employed XXXX employees XXXX under the 1099 employment and 7 office staff. When Coved hit us we were unable to communicate with the Florida offices due to closing, having staff work from home. 
We lost our staff, My wife and I took over however It became to much and we closed both companies in XX/XX/year>, On top of that owing a XXXX XXXX building with XXXX rental offices and just going through the two worst storms we have received so much damage that we have lost all our Tennent 's. No Income. Except SS. 
When I was a young man in the late forties an fifties we were taught to save cash for a rainy day. That has been the road I have followed during my entire working life. Know that I am with out enough income to meet my current monthly Mortgage on the office building and home I have been using my cash saving to meet the bills. Apparently the bank thinks I am washing money and have closed my XXXX accounts with out a work why. 
Would you please investigate whether the bank 's actions are consistent with fair treatment under the law, especially considering my age, situation, and the fact that I have been depositing legitimate savings and earnings, not illicit money. 
I would like Protection : With expressing my belief that older adults should be protected from unfair treatment in financial matters, especially when i comes to matters of cash deposits tied to real-world circumstances like business losses and personal hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
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. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX furniture XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX / XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
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. 16815-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute of Collection Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Reported Amount : {$490.00} Date Reported : XXXX 2023 Reason for Dispute : According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my credit information. Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required 30-day period. 



Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax reinserted deleted accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX without following FCRA 1681i ( a ) ( 5 ) ( B ) reinsertion laws. I was not notified within 5 business days, and Equifax failed to provide the required certification of accuracy before placing these accounts back on my credit report. This is a direct violation of the Fair Credit Reporting Act, and I am requesting immediate removal of these accounts and compliance with reinsertion procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XX/XX/XXXX I wrote Chase Bank about an extremely poor customer 's experience I entailed at one of its branch which is located at XXXX XXXX XXXX XXXX XXXX, AR XXXX. In response to the letter mailed to the CEO of the Bank, XXXX XXXX, XXXX decided to close my Checking Account effective on XX/XX/XXXX. 

Such short notice is placing me at a severe financial disadvantage because I received my only source of fixed income by Social Security ( SSDI ) via Direct Deposit to the Chase Checking Account ending in XXXX. 

Since Social Security takes 60 days or more to direct deposit funds to a new checking account I will have to receive a PAPER CHECK which will take at least 10 days to be received at my address with is a major inconvenience and disadvantage. 

I am on a strict budget like other fellow Americans and having me wait more than a week to receive funds to pay necessary bills such as my mortgage, utilities, car insurance etc due to Chase haphazardly closing my checking account prematurely is pure spite and it needs to be addressed appropriately by CFPB. 

I now understand why Chase is considered a subpar bank regarding customer service handled by inept employees with poor moral. 

I planned on severing my banking relationship with Chase in the future do to the extremely poor manner in which I was handled and the unprofessional and completely disturbed customer service and discrimination I experienced on XX/XX/XXXX. 

I had signed up with XXXX XXXX  for a Checking Account on XXXX, XX/XX/XXXX and I plan on using XXXX XXXX for my banking services and needs going forward. 

Unfortunately Social Security plan to make this change to XXXX XXXX on or about XX/XX/XXXX ( I receive my XXXX Funds every fourth XXXX of each month ). 

In essence, closing my account on XX/XX/XXXX will create UNDUE FINANCIAL HARDSHIP on myself where bills will be paid late and food not bought because I will have to wait for a paper check for XXXX and XX/XX/XXXX via XXXX which has the risk of being lost or stolen in the mail placing me at a further disadvantage. 

I am a XXXX Veteran and for Chase to give me less than 30 days to close my account likely in retaliation of filing a XXXX claim against them and voicing my concerns with XXXX XXXX is truly unprofessional and callus on their end. I can see why the Chase employee have one of the lowest moral and dissatisfaction working at Chase due to the fact they treat their customers just as worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have an Amex Gold Credit Card ends with XXXX. My name is XXXX XXXX. 

The Amex Gold Credit Card says every month I will get XXXX as statement credit if I order in XXXX XXXX XXXX XXXXXXXX I did it three times at the end of the month ( See attached email ) but Amex Gold processed the transaction the next day then won't give me {$10.00} statement credit. 

I chatted with Amex Customer Service and they refused to give me {$10.00} statement credit for those three transactions. I am very sad. I want my statement credits back and I want compensation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
2021 theres an eviction on my name that popped up out of nowhere I put a dispute in and was told they werent fixing it theres a charter cable charge I never had it it was ignore a XXXX account thats was put as my fsult even after seeing proof nothing was dine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
2021 theres an eviction on my name that popped up out of nowhere I put a dispute in and was told they werent fixing it theres a charter cable charge I never had it it was ignore a XXXX account thats was put as my fsult even after seeing proof nothing was dine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
I called All three of the credit bureaus to get the procedures used to confirm a XXXX port folio service account on my credit reports thats false XXXX portfolio service. XXXX, I was informed by All three bureaus that they did not actually investigate the issue they only ask the company reporting the false information to confirm what they had. This is a violation of my rights under the FCRA. This is the fourth time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure of all three credit bureaus to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: IL

Complaint narrative:
I called All three of the credit bureaus to get the procedures used to confirm a XXXX port folio service account on my credit reports thats false XXXX portfolio service. XXXX, I was informed by All three bureaus that they did not actually investigate the issue they only ask the company reporting the false information to confirm what they had. This is a violation of my rights under the FCRA. This is the fourth time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure of all three credit bureaus to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I looked at my credit report and noticed XXXX XXXX XXXX reported a negative collection item on my report from a Credit Collections SVC regarding XXXX. According to XXXX5 U.S. Code 1681b ( 2 ) and FCRA section 605B. It is illegal to report anything on my credit report without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
On XXXX the XXXX 2025 I notice that a XXXX XXXX XXXX Checking Line of Credit Account Number XXXX was on my credit report and did authorize this account to be open. I contacted the creditor, and they notice that it was fraudulent. I immediately called XXXX XXXX XXXX XXXX and went to the local police department a filed a report. I also attached the letter from XXXX and their investigation results, police report, FTC report and a copy of my ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND FOUND A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. PLEASE DELETE THIS FRAUDULENT REPORT FROM MY CREDIT REPORT 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
I recently ordered copies of my credit reports, and discovered numerous accounts that do not belong to me. These listed accounts do not belong to me, which means that I am not the one who opened these accounts. I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Sofi bank has blocked several of my attempts to transfer money from my checking account to another account. They eventually restricted my account preventing me from attempting a transfer at all. They email me a contact number ( XXXX ) XXXX to verify my transaction, I followed up immediately verifying, however my account is still under restriction. They are holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: NV

Complaint narrative:
XXXX $ I communicated with this company on multiple occasions and did not get any responses I sent it letter did not get any response they are having 3rd party bill collection harassment over the phone and by emails and under this code 15 U.S. Code 1601 is a section of the U.S. Code that outlines the purpose of the subchapter on consumer credit cost disclosure. It is part of Title 15, which covers commerce and trade this should not be reported on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: CL Holdings LLC
State: OH

Complaint narrative:
In early XXXX, XXXX XXXX XXXX, an online background check and fraud prevention service, experienced a significant data breach. This breach allegedly exposed up to XXXX XXXX records with highly sensitive personal data of up to XXXX people in the US, XXXX, and XXXX ( XXXX XXXX ). 


This article provides detailed information about the breach, the data exposed, and recommended actions to help you stay safe. 

Breach Details According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: WA

Complaint narrative:
Account with XXXX XXXX XXXX Account # ending in XXXX under XXXX XXXX ( XXXX XXXX XXXX ) auto loan was closed over a year ago. I have disputed this with the bank ( Merchants Bank ) as well as with the credit bureaus over a year ago and they are still being reflected as open on my credit profile.

Company response to consumer: Closed with explanation