vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX contracts investment fraud conflict of interests 18 U.S.C. Section 208 association, or directive relationship interests to Director, Individual Tax Division, Internal Revenue Service, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that conflicts with the performance of contractual official duties described as decisions, approvals, disapprovals, recommendations, the rendering of advice, investigations, or otherwise, in a judicial, or other proceeding affecting excise exempt personal property income salary tranches, commerce 18 U.S.C. Section 641 stolen government property 18 U.S.C. Section 2314 income tax refunds EFTA E-File, 18 U.S.C. Section 8 indebtedness, securities registration XXXX or 15 U.S.C. Section 1692 ( c ) bond debt collections, or rescission of securities 15 U.S.C. Section 1635, finances contractual resources misapplication 18 U.S.C. Section 656, and aggravated identity theft 18 U.S.C. Section 1028A participations ; withdrawals by negotiable instruments 12 U.S.C. Section 1832 ( c ), or transferable instruments for transfers to third parties, 18 U.S.C. Section 1001 false financial statements latency over the periods XXXX, XXXX, XXXX, and XXXX encompassing interstate commerce 15 U.S.C. Section 1214, the property description reportable statement W9/W2 Salaried Income Tax Refund 1040 Adjusted Gross 26 U.S.C. Section 62 transactions purpose means, the depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or *registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FRCA :605B ( 15 U.S.C. -1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, innacurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX opened up XXXX XXXX under account number XXXX a Mortgage opened up at XXXX XXXX XXXX on XXXX XXXX under account number XXXX an collections account opened XXXX XXXX XXXX XXXX 2 ) ( recovery one ) on XXXX XXXX under account number XXXX for a balance of XXXX 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 collections 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, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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. FAIR RESOLUTION OF THIS ISSUE would be removing these accounts of my consumer report. I request, pursuant to FRCA 605B ( 15 U.S.C. 1681C-2 ). that the EXPERIAN, credit reporting agency block all of the accounts, collections, hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FRCA :605B ( 15 U.S.C. -1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, innacurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX  opened up XXXX XXXX under account number XXXX a Mortgage opened up at XXXX XXXX XXXX on XXXX XXXX under account number XXXX an collections account opened XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXXXXXX ) on XXXX XXXX under account number XXXX for a balance of XXXX 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 collections 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, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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. FAIR RESOLUTION OF THIS ISSUE would be removing these accounts of my consumer report. I request, pursuant to FRCA 605B ( 15 U.S.C. 1681C-2 ). that the EXPERIAN, credit reporting agency block all of the accounts, collections, hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 non-monetary relief
Consumer complaint received 2025-03-01 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:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FRCA :605B ( 15 U.S.C. -1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, innacurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX opened up XXXX XXXX under account number XXXX a Mortgage opened up at XXXX XXXX XXXX on XXXX XXXX under account number XXXX an collections account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on XXXX XXXX under account number XXXX for a balance of XXXX 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 collections 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, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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. FAIR RESOLUTION OF THIS ISSUE would be removing these accounts of my consumer report. I request, pursuant to FRCA 605B ( 15 U.S.C. 1681C-2 ). that the XXXX, credit reporting agency block all of the accounts, collections, hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/2025 is the date of today it is approximately XXXXXXXX XXXX my name is XXXX XXXX I have an online banking account with chime that I paid for the past year I get direct deposited in it every 2 weeks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and tonight while I was at work I decided to go look at my transactions because it suggested that you do that every so often to make sure that nothing is deducted that shouldn't be well XXXX and behold there is XXXX transactions that I did not authorize that come to us some total of {$790.00} over the accumulation of a span of the past few months I call customer service three times the first two times I was treated rudely they didn't answer my questions they didn't explain and everything that they said that it could have been I scratched out because it was not logical and mathematically it did not add up not only did they say that I'm just one in a million customers and not only did I ask to speak to the CEO XXXX XXXX and was informed that I could not speak with him that that is why he hired the person that I was speaking with who was quite rude to me I've never in my entire life being so humiliated I have never in my life been on hold so long only that I've been lied to I have been humiliating I have been made to believe that I am no one to the company even though I express to him that just like in America every vote matters just like I matter in time company cuz if it weren't for customers like me the company wouldn't exist but I struggle from paycheck to paycheck and I don't understand why this company would find the need to steal from somebody as as they would say nobody why do they want to take nobody 's money don't they make millions a day so not only would I like my {$790.00} compensated I would like time and suffering paid and humiliation because you can go back to my recordings of me speaking to these Representatives and the lack of manners that they display to me was unethical not once that I cuss them or was rude to them I simply just wanted some explanations but I wasn't given any so I hope you take the time to read my entire description and if you need more information I did screenshot all my banking information before they could delete or change your anything I have the date the time stamp the deductions I have it all I hope you have a blessed day God bless you all and I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America decreased my credit limit without proper reason I made on my payments on time did nothing wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX-************** - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX************** - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX & XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: DISCOVER BANK
State: VA

Complaint narrative:
Nothing taken just social security was used on dark web

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Complaint Against Chase Bank for Processing Fraudulent Lease Payments I am filing this complaint against Chase Bank for facilitating and processing fraudulent lease payments for a lease that was invalid and misrepresented by the landlord ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). 
1. Fraudulent Lease & Misuse of Funds o I have been paying rent to XXXX XXXX XXXX XXXX via Chase Bank since XXXX. 
o The landlord had no valid lease agreement with me, as the original tenant ( XXXX ) had already received his deposit refund and was removed from the lease. 
o The landlord used a different entity ( XXXX XXXX ) to create a false lease under XXXX  XXXX and forced me to continue payments under fraudulent terms. 
2. Chase Banks Role in Processing Fraudulent Transactions o Chase continued to process my rent payments despite clear evidence that my lease was void. 
o The payments were made under false pretenses due to fraudulent lease documents and misrepresentation by the landlord. 
o Chase failed to flag these transactions for review or notify me of potential financial fraud risks.

3. Request for Refund & Investigation o I am requesting that Chase Bank reverse all fraudulent rent transactions processed under this lease. 
o I request that the CFPB open a formal investigation into Chases failure to protect against fraudulent payments. 
o I am seeking a full report and response from Chase regarding why these transactions were not flagged and why they continued processing payments for an invalid lease. 
I am willing to provide all necessary documents, including bank statements, lease agreements, and legal filings proving fraud. I appreciate the CFPBs assistance in holding both Chase Bank and the responsible landlord accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
on XX/XX/2025 around XXXX - XXXX i made a deposit of {$180.00} into an account that has bitcoin into the robinhood app. they proceeded to close my account when i attempted to transfer out and the assets are now trapped indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Credit Bureau I am writing to formally inform you that my personal information was compromised in a recent data breach involving XXXX. I understand that this breach may have exposed sensitive details, including my credit information. 


On XX/XX/2025, I was notified by XXXX that my personal information was part of the compromised data. This news has caused me significant concern regarding the potential for identity theft and unauthorized use of my credit profile. 

In light of this breach, I am requesting that you take the following actions : XXXX. Place a Fraud Alert : Please place a fraud alert on my credit report to notify potential creditors that they should take extra steps to verify my identity before extending credit.

2. Remove any and all delinquencies that can negatively impact my credit 3.Monitoring Services : Please inform me about any monitoring services that you provide to help protect my credit and identity. 

I appreciate your attention to this matter and any steps you can take to assist me in protecting my personal information. If you require any further information or documentation to proceed with my requests, please do not hesitate to contact me using the information provided above. 

Thank you for your prompt attention to this situation. I look forward to your 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am formally requesting a security freeze on my credit report under the Fair Credit Reporting Act ( FCRA ) to prevent unauthorized access and ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
Since around XX/XX/year> I have been harassed countless times by XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, ABSOLUTE RESOLUTIONS I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX others included. They are third party debt XXXX who have broken countless laws and all three credit bureaus are reporting accounts that are inaccurate and fraudulent. My police report is included.These accounts need to be removed and never allowed to be reported again. This is stopping me from attempting to get a home and surviving please handle this as quickly 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 non-monetary relief
Consumer complaint received 2025-03-01 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:
Since around XX/XX/year> I have been harassed countless times by XXXX XXXX  XXXX, XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, ABSOLUTE RESOLUTIONS I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX others included. They are third party debt XXXX who have broken countless laws and all three credit bureaus are reporting accounts that are inaccurate and fraudulent. My police report is included.These accounts need to be removed and never allowed to be reported again. This is stopping me from attempting to get a home and surviving please handle this as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Request for Reversal of Unfair Dispute Decision Dispute ID : XXXX I am reaching out regarding a American Express credit card dispute that was unfairly ruled in the customers favor despite clear evidence of order fulfillment. Below are the details of the transaction : Cardholder Name : XXXX XXXX Dispute ID : XXXX Payment ID : XXXX Credit Card : American Express XXXX XXXX XXXX Transaction Amount : {$220.00} The order was placed on XX/XX/XXXX and shipped out on XX/XX/XXXX. The delay was due to the XXXX XXXX XXXX holiday, during which operations were halted. As per XXXX tracking number XXXX, the package was delivered to a XXXX XXXX for pickup on XX/XX/XXXX, per the customers request. 

We promptly notified the customer of the delivery, and he acknowledged it, agreeing to withdraw the dispute. However, before he could do so, the dispute was ruled in his favor. He later picked up the package on XX/XX/XXXX but has since failed to respond to our requests to withdraw the dispute or repayment. 

This decision by American Express has resulted in an unjust financial loss, including : The loss of both merchandise and payment despite order fulfillment. 
An additional {$15.00} dispute fee charged by our payment XXXX, XXXX.

Company response to consumer: Closed with explanation