vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Full Name : XXXX XXXX Date Of Birth XXXX Social - XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud. 

Within XXXX business days of your receiving this request, block the fraudulent, inaccurate, and false information, which consists of a personal loan opened at XXXX XXXX  on XX/XX/year>, under the account number XXXX. 

In addition, block information regarding a fraudulent personal loan account opened at XXXX XXXX on XXXX account number XXXX. 

The unauthorized accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that all the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 

For additional evidence of fraud, I can provide a copy of the FTC Identity Theft Report, a police report related to this case, and proof of my identity. All communications and responses regarding this CFPB complaint are to be sent to me via email at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
This is the mail I sent where everything is explained : To Whom It May Concern, I am writing in response to your email dated XXXX XXXX XXXX  from Coinbase Support [ XXXX XXXX XXXX  ] regarding case number XXXX, in which my eligibility for reimbursement was denied. 

On XXXX XXXX XXXX, I had a recorded call with Coinbase Support ( XXXX XXXX ) lasting over XXXX hours, beginning at XXXXXXXX XXXX XXXX During this call, Coinbase representatives confirmed that I fully met the requirements for reimbursement of the {$8000.00} lost due to unauthorized transactions. We extensively reviewed the details of my case, and it was affirmed that I was eligible for reimbursement under Coinbase 's policies, including the coverage provided by Coinbase One subscription. Additionally, I have an email confirmation from Coinbase regarding account protection, further supporting my eligibility for reimbursement. 

In your email, you mentioned that customers are responsible for the security of their devices and passwords. However, I was the victim of an assault and drugging, leaving me incapacitated. As a result, there were no reasonable measures I could have taken to prevent this situation. I conveyed these circumstances during our call, and you confirmed that this information made me eligible for reimbursement. The police are actively investigating this incident, and the complaint number is XXXX. Attached is an email from the investigating detective for your reference. 

XXXX website highlights its commitment to safeguarding accounts through robust security measures, including two-factor authentication ( 2FA ), strong password requirements, cold storage for XXXX assets, Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) XXXX, blockchain fraud monitoring, and systems to flag suspicious transactions. Despite these measures, over XXXX unauthorized transactions occurred on my account within just a few hourssignificantly out of line with my usual activity, which involved only XXXX transactions throughout the entire year. 

Other platforms I use, such as XXXX, XXXX, XXXX, and various credit card applications, have demonstrated their ability to promptly detect and secure accounts during fraudulent activity. Unfortunately, Coinbase 's system did not act with similar vigilance in this instance. 

Given the assurances I received during the call and the circumstances outlined above, I respectfully request reimbursement of the {$8000.00} lost from my account as of XX/XX/year>. 

If additional clarification or documentation is needed, please do not hesitate to contact me at XXXX. 

Thank you for your attention and prompt action on this matter. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I filed multiple disputes ( XXXX ), and ( XXXX ) on my account at the time of me filing the disputes was my account was not closed, and I was told I should receive an update XXXX from that date which was XX/XX/XXXX I was told this by the disputes department. I did not receive an update or resolution letter about my dispute so I did not know what was the finale resolution until I called on XX/XX/XXXX and was informed that both disputes ( XXXX ), and ( XXXX ) where resolved in my favor and a refund of the disputed amount would've been credited to my account on XX/XX/XXXX .. upon checking there was no credit added to the account on XX/XX/XXXX or any day after that there should've been a credit amount of {$1100.00}. Now during the investigation of the disputes my account was put in negative and eventually closed with a negative balance but even with that being said the disputes that where ruled in my favor on XX/XX/XXXX should've been added to my account and covered the negative balance I had on the account and the remaining balance from my repayment of the negative balance should've been mailed to me in a check which this did not happen... I want the funds from the disputes that I won on XX/XX/XXXX to be sent to me in a check asap this is ridiculous I shouldn't have to go through this to have those funds sent to me I have added both dispute claim numbers at the top so you guys can pull up and see that I have won both disputes and no funds where ever credited to my account a posted on XX/XX/XXXX ... my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XX/XX/year> someone opened a account in my name with Avant LLC/ Web/Bank I've called and talked too them numerous times and was told that they would take it off my credit and still to this day it is still there this wrong because i never opened this account period. It has a balance of {$1100.00}. I need you all too help me remove this off my credit please thank you all for you work. Their contact ( XXXX ) XXXX and or ( XXXX ) XXXX. Their address also is XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
These XXXX companies put inquiries on my credit report without my authorization or acknowledgment I want these inquiries off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
These seven companies put inquiries on my credit report without my authorization or acknowledgment I want these inquiries off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint Account Name : XXXX XXXX XXXX Date Filed : Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account Name : XXXX XXXX XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX  Address : XXXX XXXX XXXX .

Number : XXXX provided Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Date Filed : XXXX  Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Number : None provided Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 Number : XXXX Late Payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments Reported : XXXX XXXX XXXX XXXX XXXX XXXX I await your reply. Once you have fulfilled my request please mail me an updated credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank closed my business bank account for no reason and make me wait 15 business days for refund after 15 days pass when i called making me waiting on the phone transfer to different departments for hours finally told me to make appointment to a branch after visiting the branch banker told me they cant issue refund i have to wait 90 more days and refused to refund the funds still in the 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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX after trying numerous attempts more than 7 times to used Wells Fargo XXXX XXXX  Card advertised XXXX XXXX feature using Rent payment history, I finally decided to call to find out why I kept getting denied after I sent everything requested by them. I never spoke to a human being live instead I was texting a rep named XXXX from XXXX XXXX  support at XXXX central time. The Rep acknowledged that I have been attempting to utilize the XXXX XXXX since XX/XX/XXXX but refuse to give me a Valid reason for the repeated denials. His excuse was I quote " Due to quality and security purposes, we are unable to disclose additional details about why the decision of your application was denied. 

Wells Fargo accepts every rent payment and direct deposit to all my accounts with them and have never notified me of any of these secret security issues they are claiming. 

Wells Fargo are Falsely advertising a service. They pick and choose which customers they Deny without ANY Explanation of WHY they are excluded from this benefit. 

I want them investigated by the CFPB because once again they are up to dirty and unfair banking practices again which they have a long history of unfair practices and lawsuits against them. Please make it a requirement for them to explain clearly reason for denial. As for my case they do Not have one other than pure discrimination. 
I have screen recordings of the conversation if requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: VA

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, and XXXX XXXX XXXX under the account number 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 explanation
Consumer complaint received 2025-01-09 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:
They violated my rights as a consumer under 15USC1681B and I need these items blocked and deleted off credit report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing in response to a recent communication regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt before any further action is taken. I am also requesting that you comply with all applicable consumer protection laws.

Specifically, please provide the following information : 1. **Validation of the Debt** : Provide verification of the original creditor, an itemized statement showing the full amount of the debt, including any interest, fees, or other charges. As required by the FDCPA, this must include a copy of any signed agreement that obligates me to the debt, including the original creditors name and contact details.

2. **Proof of Your Authority to Collect** : I request that you supply documentation proving that you have been legally assigned or sold this debt. Without such documentation, any attempts to collect would be in violation of consumer protection laws.

3. **Charge-off Status** : If this debt was charged off by the original creditor and is now being handled by your agency as a third-party collection entity, I request documentation of the charge-off date. It is my understanding that charged-off debts are treated differently under 1099 tax laws, and any improper reporting could result in significant legal issues, both for tax reporting and compliance with the IRS rules regarding forgiven debts.

Under IRS regulations, if a debt has been charged off and the creditor has forgiven or written off the amount, you may be required to issue a 1099-C form. Please confirm whether this debt has been reported as income under IRS code 6050P, which would eliminate your ability to collect on the charged-off amount. Please provide clarification and a copy of any 1099-C form sent to the IRS.

4. **Cessation of Communication** : Pursuant to my rights under the FDCPA, I am requesting that all collection activities cease until this debt is properly validated. Should you fail to provide adequate proof of the validity of this debt within 30 days of receiving this letter, I expect that this matter will be closed and any negative information will be removed from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please respond to this request in writing within 30 days and send all correspondence to my mailing address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX I did not open this account with this company please remove under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX There are multiple account on my account I did not authorize and need removed under the Subject : Dispute of Incorrect Information in Credit Report Dear Experian I am writing to formally dispute certain information that I believe is inaccurate or incomplete in my credit report, specifically concerning the accounts listed above. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o. 

Details of the Dispute : 1. Account Name XXXX XXXX XXXXrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information : This information on reporting to my credit report is inaccurate. I have not had no contracts with these company 's and is requesting for this information to be deleted. 
Reason for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be incorrect, as outlined in 15 USC 1681n and 15 USC 1681o. I need this information deleted as this information is incorrect reporting to my report. 
I request that you investigate the above-mentioned accounts and provide me with the results of your investigation. According to the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. 

Additionally, if the information is found to be inaccurate, I request that you take the necessary steps to correct or remove these items from my credit report. 

Please send me a written confirmation of the results of your investigation and a copy of my updated credit report if any changes are made. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX, I submitted a wire transfer with Huntington National Bank. The ID numbers associated with the wire transfer are XXXX and XXXX. My customer ID number is XXXX. 
Upon placing the wire transfer, I was informed that the funds would be transferred within 12 business days. After one week, I began contacting customer service, who referred me back to the branch that initiated my wire transfer ( Huntington Bank : XXXX XXXX, XXXX, XXXX XXXX ). 
I visited the bank on XX/XX/XXXX, and was told that my wire transfer was under investigation and that the investigation would conclude on XX/XX/XXXX. The explanation given for the delay was that I am XXXX  from the XXXX, and I opened the account online. However, by XX/XX/XXXX, the funds had neither been transferred nor released. 
I called the branch again, and the bank teller requested personal information regarding the nature of the funds I was transferring and advised me to continue waiting. 
Given that it has taken 21 days so far to process a domestic wire transfer, I suspect that the bank is fraudulently holding my funds to continue lending against the {$20000.00} that have been on hold for the past 21 days. I am concerned that such predatory practices may also be used on other unsuspecting customers.

Company response to consumer: Closed with non-monetary relief