vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Unauthorized transactions from my account. Their investigation was to tell me transactions were authorized without providing evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Had identity theft with that bank and false information put on XXXX XXXX dollars stolen from bank ... will get the police involve if this is not solve asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding First Investors failure to provide me with a requested 1099-C Cancellation of Debt form for tax purposes.

I initially contacted First Investors on XXXX to request the form, but they have not provided it to me. This document is necessary for my tax filings, and their lack of response is causing unnecessary delays and complications. 

I would appreciate your assistance in addressing this matter and ensuring that First Investors fulfills their obligation to provide the 1099-C form. Please let me know if you need any additional information regarding my request. 

Thank you for your time and assistance. 

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 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
The Credit Card XXXX is : Destiny Address : XXXX XXXX XXXX XXXX Oregon XXXX The website is : Destinycard.com Customer Service Number : XXXX XXXX Case Number - XXXX Since inception of this account the companies website has never worked and I have spent hours with tech support trying to troubleshoot. The companies tech support team gave up. I am unable to access my account online. Never have been able to. The company also does not send any statements or invoices to the address on file. I am forced to call in each month to make my payment, I am XXXX and so I am careful not to use this card and when I do, I track it closely. I knew I had a XXXX ballance on this card as of XX/XX/XXXXXXXX 

Ledger - According to the operator at Destiny ( Employee # XXXX ) Paid full balance on XX/XX/XXXX - Paid {$220.00} Account balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX  Monthly fee was added XX/XX/XXXX {$3.00} Annual Charge was added XX/XX/XXXX {$99.00} No " Statement '', No " Invoice '', No " Notice '', No " Communication '' was sent nor received from Destiny to Cardholder. Cardholder has reported un-communicated fees, un-invoiced charges, and no statement to consumer on consumers credit as derogatory and refuses to fix the mistake. 

XXXX XXXX - XXXX XXXX contact - XXXX ( Unit Manager ) When I asked XXXX " Please tell me the date the statement was sent every month. '' She assures me the XXXX. " This will be trackable by USPS right, you agree. '' and XXXX replied yes. I have have the logs for USPS because they scan the mail and email us daily. No statements have ever been received. This is also heavily noted in the account through ongoing calls to customer support over the years this account has been open. 

This account was opened on XX/XX/XXXX. No statements have ever been received by mail and the online system has never worked properly. Multiple complaints are on file with the company on recorded lines. 

I asked the operator " Do you see in the notes online that I have not been able to login. '' XXXX responds " XX/XX/XXXX XXXX XXXX XXXX  '' operator advises that I said I could login and I wanted paperless. This is perjury. Operator was XXXX. 

Call is being recorded. Manager ( XXXX ) XXXX Introduced herself as a manger and now says actually title is account manager. 

I am XXXX and requested " reasonable accommodation '' under the Americans with Disabilities Act and this request was ignored and denied. The company is required to respond to this request under ADA Federal Law in writing. 

To be clear, the credit card company has filed on my credit report for charges they never billed, invoiced, noticed, lawfully or legally in commerce. I had no " Notice ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NY

Complaint narrative:
1.today morning I use my debit to pay XXXX XXXX  bill, it didn't succeed.

2. Last month I got the same problem, I call the bank and XXXX XXXXXXXX and refilled last month. 
3. Everytime I login in my bank account through the bank service phone system, it always reply me Zip code Is Not Right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX are highly suspects, they have a lot of illegal business connected with ID theft, murder and XXXX XXXX Some lawsuits are going on at U.S District Court of New York XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a call from a person ( Female ) identifying themself as a Credit Card XXXX XXXX XXXX Huntington Bank XXXX XXXX, Ohio, phone Number which is the actual phone number of that bank XXXX. XXXX, then she proceeded to ask me if I applied for a credit card through that bank? I did not! Then she proceeded to tell me that someone was trying to use a New York address and new phone number to open a credit card account for {$7500.00} in my name, she asked if a relative or family member lived in New York or if I in fact had moved? Then after all questions were answered No she proceeded to forward me to what was supposed to be the Banks XXXX XXXX! 
That brought on XXXX XXXX who claimed to be in XXXX Texas, XXXX he proceeded to claim to help me with the XXXX XXXX XXXX to get a block put on my reports! 
After asking several leading questions which I did not answer or gave fake information to I told XXXX that I was at work and didnt have the information he needed to knowing all the time that he was a fraud! 
He then proceeded to give me his direct number and told me he would call me back at XXXX! 
I hung up and immediately called Huntington Bank at the number the XXXX called me from and to my surprise it was in fact the correct number! I left a message for them to call me ASAP meanwhile after processing the call from XXXX who seemed to know way too much personal information especially on my credit report accounts, partial account numbers, even some of my credit limits and balances owed I attempted to call his number, and I got a recording! 
So shortly after I placed the call to XXXX number I received a call from that number which I answered but did not talk and to my surprise it was the same guy XXXX! 
So after hanging up I then received a call from the XXXX of the Huntington Bank XXXX in XXXX Ohio and he told me Nobody there called me and no credit card was applied for in my name! 
Then the harassing calls started from XXXX! 
I asked if that was his XXXX, XXXX or a relative that called me from the Bank! 
He became very belligerent with me and started to threaten me! 
He then proceeded to make numerous calls to me in repeated succession for the next several minutes which I did not answer and they were numerous calls from different numbers from all over the XXXX XXXX even ones with local exchange numbers from my home area! 
This needs to stop! 
I reported a breach to XXXX and bank! 
Also XXXX tried to Represent himself as an employee of XXXX giving me a fake I D number! 
These frauds need to be stopped! 
Please contact me at the number provided or my E-Mail Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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, they are dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Opening bonus offer of {$300.00} with Bank Of America has not been received. My account ends in XXXX. 

The offer was as follows : open an account with a promo code, which was applied after clicking the ad link within the app as a login user, deposit {$2000.00} or more within 90 days and receive the bonus within 60 days after the requirement has been met. 

Account was opened on XX/XX/year>. First deposit I made was of {$44.00} USD. The opening requirement was {$25.00} USD. 

First direct deposit was on XX/XX/year> for {$1000.00} USD from payroll. 
Second direct deposit was on XX/XX/year> for {$1000.00} USD from payroll. 

Requirement was met, but bonus hasn't been honored. The customer support representative said it is because I already had another account with Bank of America. However the offer to open a new checking account with bonus was shown within the mobile app after logging in as an existing customer. This was a misleading advertisement.

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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXXXXXX  I was contacted from someone from, I think, XXXX XXXX, about a credit card from XXXX XXXX I've never heard of them or had a card with them. I was told I had the card from XXXX to XXXX and was being sued for breach of contract. ( The company was sold off in XXXX ). 

I was told I would have a lein put against my house, my credit would be destroyed, and they would take the money in my bank. I was also told I would be served court papers on Monday. ( This is Saturday ). I was asked to pay this large sum of money by phone and then when I said not until I see proof of the debt, he said he was marking me as refusal to pay. 

The man was quite rude, and I wasn't allowed to ask any questions. When I did, I was told I didn't know what I was talking about ... how I never had this card and it was never on my credit report... I was told that not everything shows on the credit report. Eventually I was hung up on. 

I was refused anything in writing. I was told I would find everything out in court. I said I needed to know things to prepare for court. I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I was trying to get gas and my card was declined, this is wells fargo account. I saw I had missed calls from the bank and an email, so I called them, the informed me that my account was endanger of being hacked, someone called the bank acting like me to obtain my account. Wells Fargo flagged it and tried to contact me, so I called them and was told my account was compromised, then the rep proceeded to help me close the one checking and open a new checking right there and then on the phone. 
She gave me a new account number but left off the last digit, so with that I contacted all my bill payments, and my wife changed everything that was set up to come out of my account automatically. I even gave the new account information to my payroll department at my company I work for, so my direct deposit would not be interrupted. I gave the number that the wells fargo representative gave me, the number with the last digit left out- she gave me an account number of last four digits of XXXX, the XXXX left off last digit, maybe on purpose I don't know. Well, my pay never hit because it was the wrong account number, my pay was XX/XX/XXXX, and it was for at least XXXX I work hard for my money, and I make good money. It never hit that bogus account and to this day it is unaccounted for, Wells Fargo makes every excuse they don't have it and my payroll and human resources department for my company has checked numerous times, they received a notice saying the money was returned to bank wells fargo. It turns out the correct last four digits should have been XXXX, not XXXX, big difference. No one at wells fargo will help me, I feel like this money went into an account and is gone, well there insured for stuff like this it's not like XXXX dollars it like XXXX XXXX dollars big difference. Please help me get my pay back, I live week to week and that really hurt me not getting that paycheck. I have numerous accounts with Wells Fargo never had an issue, but all the people I talked to regarding this issue they kept putting it back on payroll company and they have a receipt that says issued back to bank. I feel like they are covering up a major XXXX XXXX Please help me I work hard for my money. 
Thank you- 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 2025-02-15 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking 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 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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from 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 XXXXXX/XX/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 2025-02-15 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: NM

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-15 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: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$330.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$220.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$540.00} XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$6000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$680.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$6100.00} Inquiries Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/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 2025-02-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/year> -- {$280.00}

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