vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEALTHFRONT CORPORATION
State: NY

Complaint narrative:
Wealthfront withheld my funds for a week so far, sighting they need to confirm my identity and verify my accounts but they already confirmed my ID multiple times this week and are requesting documents that dont exist for account verification! Theyre also closed today for a nonexistent holiday. The reps I spoke with withheld necessary info on how to make wire transfers despite me asking many times throughout several phone calls why it wasnt working. I had to call more than 9 times throughout the week and get upset for the last rep to stop giving me false information. Theyve put up relentless hurdles to prevent me from withdrawing money, including lying to me to mislead me and get me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last four Social Security number is XXXX, XXXX XX/XX/2002. Please delete the following accounts. 






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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
This week XX/XX/year> I provided NEW information to Selene Finance XXXX that my circumstance has changed XXXX XXXX XXXX XXXX XXXX has assured me that a XXXX XXXX  was coming my way by XX/XX/year> and I would be able to resume payments on my mortgage payments to them ASAP. Selene Finance has NOT reached out to me for several weeks including the disrespect and discrimination matter with employee ( XXXX ) that I had to deal with.I want to reiterate that the modification appeal was sent to XXXX and according to their document and current rules I provided information that my situation and circumstance HAS changed and will get better.They seem adamant on filing an NOD and destroy my life and add more Homeless people to the streets of XXXX XXXX! Currently there are XXXX homeless in Southern XXXX.I am fighting to stay in my home and help my mother as well.Please send this to XXXX as they don't seem eager to speak with me!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation
State: TX

Complaint narrative:
My loan with world finance is from XX/XX/XXXX. I did default this loan, but it has been over XXXX  years. My credit report shows they have opened an additional XXXX accounts so they can continue reporting the debt to my account as well as adding astronomical fees. The last account shows it was opened and closed in XX/XX/XXXX. Why are they doing this? I can't even try and settle the debt either because when I called ( XXXX ) XXXX they told me they no longer own this account it has been sold to XXXX XXXX XXXX. ( THEN WHY ARE THEY STILL OPENING ACCOUNTS IN MY NAME ). I called XXXX XXXX XXXX  they do not have any record of me in their system. I do not know what to do, this is ruining my credit with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted the company to express that they had incorrectly reported the auto loan account as late on my credit bureaus. I then submitted supporting documentation where it states the vehicle was sold back in XXXX of XXXX therefore the late payments reports for XXXX, XXXX needed to be removed. I submitted this information on XX/XX/XXXX. I can provide this proof if needed ( the car being sold in XXXX ). 
I have also contacted the credit bureaus and provided the same information and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-18 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: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-04-18 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: GA

Complaint narrative:
Please remove these fraudulent accounts and inquires from my TransUnion account under the law. These are fraudulent and I have included my SSN, Drivers license with my address and identity theft report. 

Fraudulent Inquiries 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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My income taxes were taken and debt was paid off at the courts. Should be removing from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-18 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: KY

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I first filed a CFPB complained on XX/XX/XXXX. I opened an online savings account with Marcus Goldman Sachs on XX/XX/XXXX, linked an external account, and deposited XXXX on the same day. I got an [ action required ] email about account lock on XX/XX/XXXX when traveling overseas. My friend called for me and XXXX said it would be OK for me to call when I got back to the U.S. I called XXXX on XX/XX/XXXX. They unlocked my account AFTER VERIFYING MY IDENTITY. I logged in and could not find my account or see my XXXX funds. I called XXXX again the same day. They said the account was closed, and sent me to a specialist who asked me a bunch of questions " verification questions '' and gave no information about my account details. I have made no withdrawals since I opened the account, and I did not close the account at any time. I was only informed of the account closure when I called XXXX the second time. There's no email or text notification of the account close. Until now, I have no access to my account or my deposits. The specialist provided no explanation for their deliberate closure of my account and what they did to my deposits. 

The company responded in XXXX, saying that a specialist inadverdently resumed access to my account without identity verification. That was not true, since I contacted the bank and they verified my identify before giving me my access back. That's when I noticed the account was closed without my consent. They also said " as an alternative verification method to resolve the security concerns, the Bank mailed an Affidavit of Identity ( AOI ) to the Customers address on file on XX/XX/XXXX. The Bank is currently waiting to receive the completed documentation. '' I HAVE NOT received the AOI until now, and no specialist has contacted me since then. I demand a prompt, sincere resolution of this issue. I demand the company refund my $ XXXX as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I got a HUD loan and they paid my mortgage company which is Carrington mortgage. Carrighton mortgage says they did not receive payments from HUD when they did and I have the receipts. They refuse to help me at all and say I can not dispute these charges equal to over XXXX XXXX. They then sold my mortgage from Carrington mortgage California to a branch in Indiana after I asked them to help fix these charges. They are claiming they never got paid by HUD and kept charging my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information.

I recently disputed the following account ( s ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/year> Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed. 

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Dispute of Potentially Negative Item Violation of 15 USC 1681i ( a ) ( 7 ) To Whom It May Concern, I am filing a complaint regarding potentially inaccurate and negative information reported on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 7 ).

Under this statute, if a consumer disputes the completeness or accuracy of any item in their credit file, the credit reporting agency must conduct a reasonable investigation and provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information.

I recently disputed the following account ( s ) with the credit reporting agency, but have not received proper documentation or a reasonable investigation in response : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Reported Item : XX/XX/year> Nature of the Dispute : Account does not belong to me, Reported balance is inaccurate, Payment history is incorrect I requested verification and an explanation of the procedures used to verify this information as required under 15 USC 1681i ( a ) ( 7 ), but my request was ignored or inadequately addressed. 

This failure to comply with the FCRA constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agency provides proper documentation, or deletes the inaccurate information from my credit file. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was in jail and someone got into my account and.spent most of. My money I got paid well I was incarcerated was around {$1400.00} and when I get out on the XXXX of this month I had less than {$100.00} in my account. I submitted a lot of documents supporting what I was saying including my timesheets for my job, I was in jail and could not have spent money. I also uploaded documents, saying I was in jail and still they wont refund me my money, I change my passwords. I change my pins and they still wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I have requested at least twice a year since XXXX  to make the required changes to to my report because there are many accounts that have been closed or written off that never belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I have requested at least twice a year since XXXX  to make the required changes to to my report because there are many accounts that have been closed or written off that never belonged to me.

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 2025-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I made a purchase at XXXX on XX/XX/XXXX and signed up for 12 months no interest and the underwriting bank is Synchrony. 

I logged into the Synchrony website today ( XX/XX/XXXX ) to schedule my last 2 payments since I was only able to schedule 10 payments when I set up the account. I have waited until after 7 payments have been processed until I tried again to schedule my last 2 payments so I will not have to pay the 31.99 % interest rate on the account. 

I was told via the online chat help that you can only schedule 10 payments a day, the help never addressed that I was unable to schedule a payment today. They then suggested I use a second checking account. I only have 1 checking account. 

I then called XXXX which was provided by the online chat. The 1st agent I spoke with said they are only able to schedule payments 5 days out and she could not help me. I asked to speak with a supervisor. I was advised by the supervisor that the online system you can only make XXXX payments unless you enroll in the auto pay feature. I am choosing to pay different amounts that fit my budget. I am unable to log into their system at any point going forward and make a payment with my checking account. 

Synchrony is currently blocking me from paying my bill which I believe is a violation of XXXX. 

My promotional expiration date is XX/XX/XXXX and I currently have payments scheduled through 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 explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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