vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/year> I was involved in a scam and had a large amount of funds stolen. My checking account was frozen so I opened one with Chase. Money was transferred from XXXX. I withdrew a large amount from Chase and the person I was working with had swept my bitcoin account. When I discovered he was a thief I notified all my accounts and put a fraud alert on them. All of my accounts have been investigated and funds released. They also informed me with any updated. All except Chase. 

Chase closed my account. Sent me a bank statement with XXXX balance. Requested me to email a statement giving permission to return remaining funds to XXXX, I complied with their request. As of today, no money has been released or any proof that the money should be in my name. No update from the fraud department except they are investigating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: MN

Complaint narrative:
I have deposited over {$40000.00} into robinhood. I withrew all my money after losing XXXX  and then deleting the app. I re-downloaded the app and deposited {$1000.00} because that was the maximum deposit I could make. Now I am not able to withdraw money from my account even though it was already taken out of my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: KY

Complaint narrative:
I am writing to formally dispute the validity of XXXX XXXX, Jefferson Capital, and XXXX, which your agency claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, I request you provide written verification of the debt. Including the name, address, of the original creditor. Documentation providing I am legally obligated to pay this debt, and a detailed account of the amount owe. Additionally, pursuant to 15 U.S.C 1692c ( c ), I hereby demand that you cease all communication with me regarding this debt immediately. Be advised that continued attempts to collect this debt without providing validation, or any communication beyond the scope permitted by 1692c ( c ) constitutes a violation of federal law. If you can not validate the debt you must cease all collection activities. Promptly notify any credit reporting agencies ( CRAs ) to delete this disputed information from my credit file. I reserve the right to take legal action if you fail to comply with these request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My debit card was used to purchase two plane tickets from XXXX XXXX in XXXX. Bank account said they can not dispute and airlines can not refund due to confidentially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-17 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia debt recovery LLC DBA Genesis bought the debt from the original creditor ( XXXX XXXX ) and has repeatedly emailed me everyday claiming I now owe them {$13000.00}. I sent a letter asking for the contract that was signed saying that I agreed to do business with Columbia debt recovery LLC DBA Genesis. No paperwork was ever presented to showing that they are authorized to collect on the debt. I also requested that they stop reporting to the collection agencies inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-03-17 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: GA

Complaint narrative:
Ive reached out to XXXX XXXX on their XXXX number, the automated system advises to send an email, Ive emailed the company on XX/XX/year> and XX/XX/year> requesting validation, if it is a valid debt I offered a pay to delete. The company has not responded to any of my emails. 
I was then contacted by a third party and paid the debt in full, again asked for a pay to delete the third party company indebted said to reach out to the company directly as they do not do a credit reporting. Attempted to reach out to XXXX XXXX again to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year>. There were several transactions at a XXXX ATM located at a XXXX in XXXX Florida. Full address as known is XXXXXXXX XXXX XXXX XXXXXXXX XXXX. All transactions were at the same location at the same time on the same date. USAA bank and savings is the bank that I utilize and during this time. USAA bank did not put a stop to these transactions nor did they contact me. The transactions were at the same ATM at this XXXX and appeared to be taken out in {$20.00} increments. Starting with {$100.00}, {$120.00} {$140.00} {$180.00} {$200.00} {$220.00} {$240.00} {$250.00} {$260.00} {$280.00} {$300.00} {$320.00} {$340.00} {$360.00} {$380.00} and {$400.00} totaling approximately {$4000.00}. I have never had any contact at this ATM or this ATM location. From my understanding after contacting USAA I was told that someone called in or made contact with USAA somehow to increase the total amounts of withdrawal ability to {$5000.00}. USAA granted it to this individual. That is when they begin to withdraw all these amounts on the same day which was XX/XX/year>. Once they concluded it appears that they contacted USAA back and stated that they wanted the withdrawal limit set back to what it originally was which I believe was {$400.00}. USAA supposedly is investigating and has investigated it claiming that it was my fault and has recharged me {$4000.00}. From my understanding theres been no contact with this location from USAA nor any footage pulled from the ATM or any collective information that I have mentioned above. I have had several contacts back with USAA trying to resolve this and it is still unresolved at this point. A police report was requested to indicate that it suspicious activity and its not to be me or some sort of that information. I have received spoof phone calls from USAA prior to this which I was able to figure out and not provide information. In my opinion, it is possible that its an internal issue of someone stealing money or providing information to someone. There should be no reason why anybody would be able to access my checking account but me. No one has that information nor do they have passwords Connected to my account whatsoever. I will mention in the past, I have received letters from the department of defense, indicating XXXX XXXX XXXX information has been leaked or stolen from other countries abroad on several occasions. I dont believe that this is in connection, but its very possible that it could be. 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 monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone been opening up accounts in my name. I got hired at a a scam job in that stole all my information and I believe there trying to use it The job is called bright way shipping service Its a lot if unauthorized inquiries on my credit report for strange experience and XXXX and I would like them removed I put a freeze on my account so no one else can try. They have my XXXXXXXX XXXX XXXX  information they told me they was gone pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone been opening up accounts in my name. I got hired at a a scam job in that stole all my information and I believe there trying to use it The job is called bright way shipping service Its a lot if unauthorized inquiries on my credit report for strange experience and XXXX and I would like them removed I put a freeze on my account so no one else can try. They have my XXXXXXXX XXXX XXXX  information they told me they was gone pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XX/XX/year> : My daughter opened a checking and savings account for students. Also, I am co-owner on the account. My daughter XXXX XXXX XXXX received debit card for her new account. She activated it and when she tried to use it, her card was declined. We called customer service. They said we need to go see someone at the bank to re-open the account. They don't why this happened. XXXX had to go back to college - XXXX so we look up the closest branch near campus. 
XX/XX/year> : XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) too don't know what is happening and they said they will order another debit card since the one she received doesn't exist. 
XX/XX/year> : I went to the bank to deposit a check into XXXX 's account in XXXX Texas. I decided to talk to the person that assisted us. She looks up the account and there is NOT a debit card ordered. They said XXXX needs to call to request a debit card. XXXX doesn't have a car, and she is away from college with no access to her account. She called to request a debit card, but they told her they can not because the account is pending to be closed. I was just at the bank, and they said everything looks fine. XXXX needs a debit card for her checking account asap. Now we must wait for XXXX weeks for the pending status to be cleared. Clear for what? We did not close the account. XXXX will come home in XX/XX/XXXX. Looks like this will not get resolved because the XXXX and XXXX XXXX branch do not know what is going on. Someone screwed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I am a victim of identity theft and have been dealing with multiple fraudulent accounts, unauthorized inquiries, and inaccurate information on my credit reports. Despite following proper procedures, including filing disputes and debt validation requests under 15 USC 1681b, credit reporting agencies and financial institutions have failed to act within the legally required time frame. Unauthorized Hard Inquiries A total of XXXX hard inquiries were made without my authorization, including but not limited to XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX 

Fraudulent Accounts Opened in My Name Utility accounts were opened fraudulently under my identity, including : XXXX XXXX XXXX ( Fraudulent amount : {$390.00} ) Credence Resource Management ( Fraudulent amount : {$180.00} ) Credit Bureau Non-Compliance I submitted disputes and debt validation requests to XXXX in XX/XX/year> and have documented proof, including mail receipts and recorded conversations, that XXXX failed to validate the debt within the required 30-day period. 

I request that the CFPB take action to enforce compliance with consumer protection laws and hold these entities accountable for their inaction. 
Under penalty of perjury, I affirm that the information provided in this complaint is accurate to the best of my knowledge. 

FTC Identity Theft Report ( Report Number : 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX Account Number : 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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Here is the email I have received from TrueAccord Corp, starting XX/XX/XXXX. I have also received the same email on XX/XX/XXXX and XXXX. 

I have never created an account with XXXX XXXX XXXX I ran my credit report the day after I received this first email on XX/XX/XXXX and there is no unusual behavior. 

-- - This is TrueAccord Corp., reaching out about your balance with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX XXXX XXXX XXXX  ) account ) of {$470.00}. 

At TrueAccord Corp. we strive to make debt collection less daunting and more straightforward. TrueAccord Corp. uses digital communications ( like this email ) and online self-service payment plans to help our users resolve their debts. 

Click the button below to learn more and also sign up for a payment plan! 

If you have any questions, just let us know. We're here to help you pay off your balance. 
Account information TrueAccord Corp. account number : XXXX Balance due : {$470.00} Current creditor : XXXX XXXX XXXX XXXX XXXX XXXX account ending in : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor account ending in : XXXX

Company response to consumer: Closed with explanation