vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I have seen this before but really didn't believe it until it just happened to me now. A loyal RH customer since last 6 years and exclusively used them for XXXX XXXX XXXX Recently in last 6 months I opened XXXX disputes with my cash card. XXXX for XXXX and the second one for XXXX. Yesterday, I got an email saying I violated the terms and condition and they are going to close all my account. just simply deny my dispute if they really hate it. 

-- - Very harsh treatment. Punishment doesn't fit the crime. 

-- -- They are liquidating my position and I am in the hole for {$2900.00} loss. 

-- -- my brokerage account is over XXXX. 

-- -- XXXX customer service. once they lock you out, you cant reach them anyway unless only option to email. 

I even wrote " i will commit suicide if you liquidate my account '' - the chatbot replied - Please contact us by email and we will reply in 1-2 business days.

Absolutely worst customer service and they are treating retail investors like me we are nothing or worth your time since now you become a goliath. Remember we put you there and we will bring you down if you treat us this way.

no option to appeal. I even cancelled my dispute with cash card. just close my cash card why Brokerage? 

I am beyond XXXX, sad, upset and disappointed for this harsh treatment from them. 

I am seriously considering starting a brokerage firm and call it have the moto in the company logo - XXXX you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
I am writing to formally report and address an urgent issue regarding the unauthorized use of my identity. It has come to my attention that a fraudulent account has been opened in my name without my knowledge or consent. This activity is not only a direct violation of my rights but also a serious matter involving potential identity theft. I want to make it absolutely clear that I did not authorize the opening of this account, nor have I been involved in any way with the actions associated with it. This is a fraudulent and unauthorized use of my identity, and I demand immediate action to correct this situation.

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 2025-02-21 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: IL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizens Bank Branches contacted are located in XXXX, XXXX and XXXX in North Carolina. 

Many dates going back years across multiple accounts and are not all easily accessible to me due to the way the app functions ( or lack thereof ) in addition to some of the info being available only to staff and not account holders. 
Attached screenshots for some of the more obvious charges I could find. 

Fraudulent overdraft fees keep getting charged to my accounts despite no actual negative balance occuring or in several instances the overdraft causes itself ( {$9.00} balance -> {$10.00} overdraft -> XXXX XXXX XXXX XXXX ) The bank is completely aware and refuses to fix the issue or return the stolen funds claiming their records are different than what they provide me and what is shown on my bank provided statements therefore it's somehow my fault.

The random overdraft charges have lowered my balance to the point of causing actual negative balances resulting in more overdraft charges.

For example : one fake overdraft removing {$10.00} might cause me to unknowingly go a few dollars negative resulting in one or more drafts due to small transactions that wouldn't have been negative without the initial fake draft. This can add up really fast and has resulted in probably hundreds in losses over time. 

Attempts to resolve were made in person and over the phone numerous times with either no action taken or a single " courtesy refund '' that's available once per year being given as a way to pretend they are being generous instead of admitting to the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
I have already submitted a report. I not heard back in 30 days. 

I am a victim of XXXX trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-21 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
A company Ive never did business with is harassing me, claiming to collect money on behalf of XXXX XXXX for services Ive never used for {$550.00}. Using unauthorized personal information as they emailed me the fraudulent information with even an incorrect address .When they probably bought the account for pennies. Ive been on XXXX XXXX XXXX XXXX XXXX XXXX  and have been paying my ACTUAL XXXX XXXXXXXX bill just fine. I just got my last collection off my account and then this happens. This is harassment and attempted exploitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: IL

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-21 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian has the most complex and limited system to access your account if you forgot your password. you can either verify through your email or number but if those dont work there is not another option. The automated service is even worse and hangs up on you.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I paid a student loan in full on XX/XX/year>. In the amount {$1300.00} To the department of education in texas. Equifax refuses to report a XXXX balance. After disputing the account. Also uploading bank statements as evidence and confirmation emails from the department of education. They still report I owe a XXXX balance. Also transunion has agreed with me and reported a XXXX balance.

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 2025-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have an existing accout with Wells Fargo in Florida. I deposited a check from my accout in Connecticut to my Wells Fargo accout for XXXX. I transfered the money in XXXX and forgot to transfere online. This was on XX/XX/year>. I saw that it was returned on the next day and called XXXX at the XXXX XXXX branch of Wells Fargo and he told me to redeposit the check when I got it back from them. I had my son go to Wells Fargo in Connecticut on XX/XX/year> from the same account. I then recieved a call from the fraud departmnet from Wells Fargo later that day and they told me I deposited a fraudulent check that that account did not exist. They said they called XXXX XXXX XXXX XXXX  and thats what they were told. I calleXXXX XXXX XXXX XXXX and they told me there was no record of any call from Wells Fargo. Wells Fargo now has the XXXX from the same account and is till closing my account. This makes no sense to me. so I figure they are closing my accout because a am a 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute incorrect information listed on my credit report, which I believe to be inaccurate and damaging to my credit standing. After reviewing my credit report, I noticed discrepancies that are clearly not reflective of my financial activity. This information is incorrect and does not pertain to any actions I have taken. I have not authorized or been involved in the events associated with this entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX XXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MS

Complaint narrative:
My identity was stolen through the XXXX data breach and I have things on my credit that I did not approve

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 2025-02-21 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: TX

Complaint narrative:
The account below is showing open with a balance. This account is paid in full and closed. The account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account below is showing open with a balance. This account is paid in full and closed. The account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company did an unethical thing of calling my landlord to which is not my family she is the person I pay my rent to where I live. This has been an embarrassing & a humiliation of putting my personal business out there to my landlord. She is angry because they continue to call her cell phone leaving messages requesting me. This is not correct its illegal to do this & there needs to be action taken against this company for this. You need to reach me you send me a email or a letter in the mail I will respond. But you dont involve strangers like my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
the company could not provide me any information as they could not locate the file in their record and proceeded to inform me that the best option was to call original creditor to see if they can locate my file

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TN

Complaint narrative:
I have reviewed my credit profile and seen some inquiries that are not mine.

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 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
XXXX bank sold a XXXXXXXX XXXX credit card collection tXXXX XXXX XXXX company / attorney XXXX XXXX XXXX after placing a lien on my homesteaded property in XXXX. Just recently now XXXX almost 18 years later Attorney has garnished my bank XXXX XXXX with my only source to pay my bills/ mortgage with contains my Social Security XXXX XXXX every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NV

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Recovery And Account # : XXXX date opened XX/XX/XXXX bal. {$5500.00}, XXXX & XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$3600.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2200.00}, XXXX & associates Account # XXXX date opened XX/XX/XXXX XXXX {$1500.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00} XXXX XXXX & XXXX Account # XXXX date opened XX/XX/XXXX bal. {$620.00}, XXXX XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$620.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}. Inquiries : XXXX XXXX XXXX XXXXXXXX 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief