vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing a complaint against Bank of America prepaid debit card due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, 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 transactions have caused significant inconvenience and financial hardship and I am seeking appropriate redress for these 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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Almost XXXX months ago, RobinHood informed me via email and without warning that my checking account with them was restricted while under review. 

This was literally the next day after I disputed unauthorized charges on my account. That was their reason to restrict my account. Anyways ; A few weeks pass by and they inform me that my account is going to be closed and my funds returned to my other linked bank account. 

In that time, they found all charges I disputed with them in my favor. 

I had my direct deposit from work with them and this caused extreme hardship, I wish they would review my account again and let me use my account, Ive been a customer for XXXX years. 

The issue however is that its been almost 90 days since I was informed my account is being closed. However, there are no attempts to send my money they are holding from me to my other linked bank account. It totals almost {$500.00} and I need that money. 


I have submitted multiple tickets with their customer service, and they all tell me the same thing without reading my message. That this process can take XXXX  days or sometimes more. Its been almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am wri ng to formally dispute several inaccuracies on my credit report that are significantly impac ng my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Repor ng Act and expect a thorough XXXX ga on of thes e inaccuracies, as mandated by federal law. It is alarming to note that the Consumer Financial Protec on Bureau ( CFPB ) has r ecently taken ac on against Experian, Equifax, and Transunion for their failure to conduct proper inves ga ons into consumer disputes. The CFPB has described these prac ces as " sham XXXX ga ons, '' highligh ng systemic failures that not only und ermine consumer trust but also result in wrongful credit repor ng. Prac ces such as inadequate XXXX ga ons, reinser on of previously disputed and inaccurat e informa on without proper explana on, and insufficient no fica on to consumers about the inves ga on outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute may also be mishandled. Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and do not belong to me : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> My phone was stolen and on XX/XX/year> my checking account with SoFi was compromised for {$5500.00}. As soon as I realized money was being taken from me I contact the bank. They stated they cant do anything until it post. Once it posted I contact them again and they stated I authorized the payment and denied my claim! I submitted several police reports and screenshots of me contacting several merchants that was used in the transactions with my money. The denied the appeal again stating I need more evidence. My mo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
A judgement was ruled against my social security number even though I requested proof it was me and I have sent legal document stating that I was recently released from XXXX 30 years and someone stole my identity. 

My full name is XXXX XXXX Account is XXXX XXXX XXXX XXXX file number is XXXX Superior court Case XXXX for the amount of {$38000.00} was opened XX/XX/XXXX I was XXXX XXXXXX/XX/XXXX and release for XXXX  on XX/XX/XXXX. 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX and I am reaching out because Citibank just referred my joint checking and savings account for closure. I tried calling their fraud department to find out why my account was closed and no one was able to tell me any reason why my account was referred for closure. I opened this account in branch 2 weeks ago and was approved and all I did was transfer {$120.00} into the checking account and {$30000.00} into the savings account to meet the {$750.00} bonus terms. Now I can not pull my funds out or anything. This is the 2nd time this has happened to me in the last 3 years. I just wasted 4 hours on the phone being transferred from department to department and no one can tell me why my account was closed.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Shopping app sent an email to my husband advertising a XXXX $ bonus for signing up, this was completed and shortly after I received the same email on my separate credit card account with capital one. After signing up with my personal info the account was closed for fraud because I used my phone to create my husband 's login as well as mine even though we have separate cards with capital one, not shared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I been calling a XXXX XXXX in the escalations department! I told her in a voice message shes to call me at XXXX XXXX  time which would be XXXX her time. She didnt and called me at XXXX. This is what we are dealing with, incompetent people that just refused to listen. She then finally did call me at the right time how ever shes rude and doesnt care. All of there papers says we are here to help but she truly proved today its all a lie! I am trying todo XXXX or 18 months and she claims they cant do that. After speaking with the mass attorney general, XXXX, and my lawyer they said what Wellsfargo is doing is absolutely wrong and needs to be sued. They cant absolutely due 12 month or 18 months of repayment but they are truly murdering people with mortgages and late mortgages. Shes just a person behind a desk that doesnt give a XXXX to anyone and doesnt know anything, just like the rest of them. Lets Wells Fargo employees burn in 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 2025-04-30 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification. please provide 'Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received a statementin the mail for a discover card. I never applied then I find out that encore crossing is charging me as well for an apartment i never lived at. I lived with my brother in XXXX for XXXX years at the time. 

Discover Bank {$1400.00} XXXX XXXX {$7900.00} XXXX XXXX XXXXXXXX {$5000.00} it also caused me not to be able to open a real credit card due to these fake accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Your company does not conduct proper investigations. I spoke with the head of accounting and the CEO of this company both of which admitted to their mistakes and immediately corrected the accounting on my account showing that I did not indeed pay late and the error was on their part. They refunded my late fees and corrected the accounting on my account. Unfortunately my credit report was not corrected and this gross misconduct on your part continues. My payments to XXXX XXXX XXXX XXXX were never late.

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 2025-04-29 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: OH

Complaint narrative:
Your company does not conduct proper investigations. I spoke with the head of accounting and the CEO of this company both of which admitted to their mistakes and immediately corrected the accounting on my account showing that I did not indeed pay late and the error was on their part. They refunded my late fees and corrected the accounting on my account. Unfortunately my credit report was not corrected and this gross misconduct on your part continues. My payments to XXXX XXXX XXXX XXXX were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I called FNB of Omaha [ at ( XXXX ) XXXX ] twice on XX/XX/XXXX. Company was not able to find the account using my social security number, but was able to locate it using my name and address. The first call they reported they were unable to provide any documentation that the account did not belong to me. The second call the company reported that they would mail a letter on XX/XX/year> documenting that the inquiry was not made by me.

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: FL

Complaint narrative:
I suspect there is identity fraud with my ame being used by XXXX XXXX XXXX XXXX. There was a virtual debit card with the last XXXX dgits ending with XXXX. The card whose not mine but has my ame paid {$280.00} on XX/XX/year> to my account on Klarna. I was not the one who made this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
When I started this line of credit, payments were auto drafted from my savings account. They were supposed to be taken out every month. The credit company said they were being returned, which was not true. I had the funds in the account to be deducted. I was not charged overdraft fees or returned check fees for these payments. This continued until my balance went from {$1400.00} to {$1700.00}. That is when they magically started deducting it. Since then, I have paid them {$2300.00} to date, and my loan balance is {$1000.00}, and my account balance is still {$1200.00}. The amount they take is {$70.00} for a line of credit fee, but they are only putting {$12.00} towards the balance of the loan per the website. This is not how the loan was explained. I am ignorant for not checking these statements before now, but I also didn't think that they were only applying {$10.00} and pocketing the rest. They have been paid multiple times over for the amount I borrowed. I have emailed them and never received a response, and now I am stuck until the " evolution '' date when the payments will be reset to a " lower '' fee table. I can't afford this nonsense. I am not given an interest rate. I need help, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CO

Complaint narrative:
I am filing a complaint against Experian for failing to respond to my dispute requests in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( Tracking XXXX XXXX ), requesting an investigation into inaccurate items appearing on my credit report, as well as the correction of incorrect personal information. To verify my identity, I enclosed the following supporting documents : A copy of my government-issued identification A copy of my Social Security card A recent utility bill showing my current address Despite providing all necessary documentation, I did not receive any response or the results of an investigation from Experian. 
On XX/XX/year>, I mailed a second dispute letter to Experian. However, to date, I have still not received any response or update regarding my dispute. 
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian is legally obligated to conduct a reasonable reinvestigation of disputed information when a consumer notifies the agency of inaccuracies. By failing to properly investigate my dispute Experian is legally obligated to conduct a reasonable reinvestigation of any disputed information. Experians failure to respond or investigate indicates a violation of my rights as a consumer.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist in addressing this matter and ensuring that Experian fulfills its obligations under the law.

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 2025-04-29 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: OH

Complaint narrative:
Your company does not conduct proper investigations. I spoke with the head of accounting and the CEO of this company both of which admitted to their mistakes and immediately corrected the accounting on my account showing that I did not indeed pay late and the error was on their part. They refunded my late fees and corrected the accounting on my account. Unfortunately my credit report was not corrected and this gross misconduct on your part continues. My payments to XXXX XXXX XXXX XXXX were never late.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM NOT HAVING AN ISSUE WITH THE CREDITORS. THEY ARE INFACT HELPING ME TO ENCOURAGE TRANSUNION TO CORRECT THEIR MISTAKE. THE PROBLEM IS THAT TRANSUNION IS NOT COOPERATING WITH THE CREDITORS OR WITH MYSELF EVEN AFTER SUBMITTING THE PROOF OF THE ACCOUNT XXXX WITH A {$3000.00}. CREDIT CARD HAVING BEEN PAID IN FULL AND CLOSED. Please delete this account. I have submitted proof to CONSUMER FINANCE PROTECTION BUREAU AS WELL AS OF XX/XX/year>.

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