vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Today, XX/XX/year>, we received a letter in the mail from Bank Of America congratulating us for opening checking account # XXXX under TIN number XXXX. Unfortunately we did not open this account nor the TIN number provided belongs to our company XXXX XXXX. I first called the security line at Bank of America and they directed me to XXXX XXXX customer service who finally transfer me to the fraud department. The fraud department requested me to visit the branch to discuss but I have nothing to discuss. They have opened incorrectly a checking account on our name and address by using someone's else TIN. They also sent us a debit card associated with this newly opened bank account which I cut to prevent someone using it. We need help in finding resolution with BoA and to close out the bank account that seems to be under our name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am a Navy Federal Credit Union account holder, maintaining checking, savings, and credit card accounts for over XXXX years. In XX/XX/XXXX, I opened a business checking and savings account with them as well. After several failed attempts to access my business account online, I called XXXX XXXX on XX/XX/XXXX, and was told the account was closed, but they could not provide a specific reason why. I am deeply concerned that I was debanked for my ethnicity, political or religious beliefs and would like to know exactly why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
In accordance with the fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights te privacy andconfidentiality under 15 usc 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A States i have the right to privacy.

15 U.S : C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not fumish a account without my written intructions.

15 U.S.C 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furmish any information relating to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. 

delete the accounts below. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
I filed a complaint against Transunion, and they responded to the CFPB the following : Company responded Status Company responded on XX/XX/year> Response Type Closed with explanation Company 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. I need them to explain to me what does that mean, I sent them my drivers license, my social security card and proof of address under my name ( XXXX XXXX XXXX ) I will be uploading those documents through the CFPB Portal again!. Then I sent them a letter requesting them to investigate XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX  reported twice with a different balance both fraud accounts. I sent it by mail and Transunion replied saying " how to remedy ID theft '' yet no response to my investigation request. Equifax responded that they verified, XXXX has not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of XXXX XXXX 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. Please delete the items 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 2025-04-04 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: CA

Complaint narrative:
I filed a dispute on XX/XX/XXXX Report Number XXXX through Experian.com and through transunion.com to have my XXXX XXXX removed as a result of the serious and egregious violation of my personal and financial privacy, which has resulted in the unauthorized access and compromise of my sensitive information. I believe that this breach constitutes a direct violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act of 1964.

With the violations in place the loans should have been removed from my Experian and Transunion report. I also filed a complaint backing XX/XX/XXXX against Experian and transunion for the same reason of not doing an investigations and removing incorrect info from my credit report. They claim I did not specify a specific account but I did when the dispute was originally filed and they did not investigate it. 

the accounts listed below are from my Experian report and either paid and closed or just closed and Experian still refuses to remove them. Along with the student loans that are still on my credit. I also disputed this info with XXXX and they have removed them. I am also legally obligated to have all XXXX credit reports report the same information. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-05 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-04-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify 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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing with a deep sense of urgency, frustration, and disbelief regarding a serious and unacceptable situation that has occurred with First Horizon Bank. 

On XX/XX/year>, I made a cash deposit of {$40.00} at XXXX of your ATMs located at XXXX XXXX XXXX, XXXX, as shown in the attached receipt. This deposit was made with the intention of transferring the full amount of {$4000.00} in {$100.00} billswhich was my hard-earned paycheck. I do not feel comfortable carrying large amounts of cash, which is why I immediately went to deposit it. 

To my absolute shock, I have now been told by your institution that the money has been lost and that the claim has been closed without resolution, without even asking me to provide proofas if I were making it up, as if I were crazy. 

This is not just a mistake. This is a violation of trust, and a disrespectful disregard for a customer who followed all procedures correctly. This deposit represents my livelihood, and the way I have been dismissed is beyond offensive. 

Let me be absolutely clear : I have attached proof of the transaction, showing the deposit made. 
I made that deposit in full faith, using your ATM, trusting your system. 
Your bank has a responsibility to trace and correct this error, not to push it aside and leave me without the money I worked for. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Date : XX/XX/scrub>XXXX XXXX XXXX

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Apex Funding Group, Inc.
State: TX

Complaint narrative:
XX/XX/year> : Im alerted by my bank app that a {$5000.00} ACH withdrawal didn't go through, NSF funds. Yeah!? No kidding! I laughed a little as I called the bank, because I haven't had XXXX at XXXX time in my LIFE. Fraud/unauthorized transaction investigation was initiated, and I was told via email that they closed the investigation, no harm no foul since it was there, then gone. (? ) That was XX/XX/year>. I didn't think about that silly thing again. 
Until almost a year exactly went by, and I received a XXXX from, well several companies were on that form. In any case, not MY stuff. 

Through countless of hours of aggravating, condescending, dismissive gaslighting from XXXX XXXX XXXX, their " Big Bro '' company XXXX XXXX XXXX, and ultimately all of them under the XXXX XXXX XXXX XXXX toxicity. I realized, they're selling LIFE INSURANCE- $ backed Annuity investment accounts. First of all shame on you for preying on people who I have no doubt you're praying pass on before that maturity date! I'm in great shape, I have child trauma I'm working on, so I have a lot of time to make sure I am the last person that has to deal with this horse " - - - - ". 

The only thing that matters to people like that is money. So let 's start there I won't go into how I have never even heard of any of them until this, I think that's clear. They played with fake money for a year, and now they're going to wish they'd never come across my name. 
As Apex Clearing Solutions ( XXXX TX ) so eloquently put it on a XXXX XXXX : " We own our XXXX & monetize through revenue sharing models so our incentives are aligned with the enterprises and governments we partner with ... ..We create unfair advantages by : XXXX Securing sponsorship in the C-Suite of our Corporate Sponsors. 
XXXX Embedding teams within those Sponsors XXXX XXXX open-minded. ( XXXX XXXX as needed ) XXXX Executing with excellence. ( Execution is everything )

Company response to consumer: Untimely response
Consumer complaint received 2025-04-04 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify 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 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Information is being reported to XXXX XXXX and XXXX has Charged off /written off. I never received a XXXX form from Plus Finance. This is a Volation of FRCA codes for not being reported correctly please Delete inaccurate information from all three agencies thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company is midland credit It been over XXXX years they keep calling and lately they started email me and the call wont stop. They send a court order to my job to garnish my pay however I had changed jobs then they send me a letter that the garnish was canceled. Now they keep tracking me and sending me emails phone calls until they found my new job and they are garnish my pay XXXX dollars and I have my family to take care of as the head of household

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo closed my checking and savings accounts because I filed XXXX separate disputes for orders I didn't receive via usps. I contacted sellers and my bank for assistance Wells Fargo responded by closing my account and preventing me from opening a new checking account. They said I was a security risk even though I authorized the charges but didn't receive the product my account wasn't overdrafted and i was receiving direct deposits.

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

Complaint narrative:
XXXX XXXX XXXX " XXXX '' has responded to my complaint stating they understand my concerns, but has not confirmed it hasn't been accessed illegally, they have not confirmed my personal, and financial date including the IRS information has been accessed which means my Complaint is still valid. which makes XXXX response to my complaint invalid The severity of this breech and the violations that has been committed my student loan debt has the right to be cancelled because it invalidates the integrity of my loan agreement. I would like a formal investigation into this data breach including details of my records were accessed, who accessed them, and for what valid reason? this breach has caused significant distress and concern regarding the security of my personal and financial data. due to the response I am forced to escalate this matter through legal channels, including filing complaints with the Federal Trade commission ( FTC ) the CFPB and pursuing legal action against the responsible parties. I requested a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. My academic, personal data, and IRS records has been accessed. " Members of ( DOGE ) fed sensitive education department data including personally identifiable information for those who manage grants, and sensitive internal financial data from the agency-into an artificial intelligence software to access it's programs and spending. " DOGE has accessed sensitive financial data of millions Americans. the intrusion of individuals privacy is enormous and unprecedented ''. therefore I need it in writing that my personal and financial data has NOT been ACCESSED. XXXX response isn't addressing the matters of consumers such as myself, " someone who trusted XXXX XXXX XXXXXXXX with their sensitive information when we applied for XXXXXXXX XXXX XXXX and grants in reliance of the agency 's rules and other representations ''. XXXX as been violated as well this federal law suppose to protect the privacy of student education records. I'm not estatic with XXXX 's response it's not informative enough, it doesn't state the facts nor does it confirm these actions weren't taken, How did I know my information is secured? how am I out of millions of Americans information wasn't accessed?

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