vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XXXX, XXXX I authorized a monthly XXXX debit to my account with Truist Bank for {$80.00} in favor of XXXX XXXX XXXX XXXX XXXX in XXXX, Kentucky. My monthly statements provided by Truist since that date have all shown an ACH debit for {$80.00} to " XXXX XXXX of XXXX '' The last debit to my account was XX/XX/XXXX. The total amount of these debits is {$1600.00}. ( See attachment XXXX ) Approximately XXXX week ago, XXXX XXXX XXXX XXXX in XXXX, Kentucky indicated that it never received any of these monies. I immediately revoked the authorization using the method dictated by Truist. Knowing that I was making a claim that the withdrawals were unauthorized, they charged me {$35.00} for the stop payment. 

A Truist representative indicated that the funds were transferred to an account at XXXX XXXX Bank, but could not identify the account holder. ( According to the financial XXXX of XXXX XXXX of XXXX in XXXX, Kentucky they have never had an account with Fifth Third Bank. ) I called XXXX XXXX Bank and their representative said the funds were deposited into an account for " XXXX XXXX XXXX, XXXX '' which, per their website, " offers payment, e-check processing, XXXX secure, international payment processing, and fraud protection solutions. '' I can not find contact information for XXXX XXXX XXXX so I am at a dead end for resolving the problem without assistance. 

I contacted Truist by phone and made a claim for unauthorized transfers which they dated XX/XX/XXXX. The following day, they sent me a letter indicating that " after careful review '' they are unable to honor all or a portion of my claim in the amount of {$80.00}. ( See attachment 2 ) Again, my claim is for {$1600.00}, the entire amount. However, I understand that the amounts taken in the last 60 days will be refunded to me automatically. 

There was a language barrier in my conversation with the Truist representative. ( My primary language is XXXX. ) That may explain why the written confirmation I received from Truist reciting the nature of my complaint has no resemblance to the actual fact situation I spelled out above. ( See attachment XXXX ) The form I was asked to sign clearly indicates it is for the resolution of ATM/Check Card/Electronic Check/Error Resolution ; Truist already put a " Yes XXXX on my behalf in the line indicating the ATM/Checkcard or checks are " lost. ''

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 monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX 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 2025-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica
State: PA

Complaint narrative:
So I noticed money my card was overdrafted and I called my bank to see what it was and they are reversal credits from XXXXXXXX XXXX but direct express is telling me I have to contact the company about this matter myself and they are not letting me dispute any of these charges expept for 3 payments so I guess XXXXXXXX XXXX  charges more and it doesnt settle and they can take more out. I se about XXXX charges of charge backs from direct express and they didnt notify me of this or nothing and it didnt even say direct express at first it said XXXX! So if somebody could direct me into the best company to go thru with this because the customer service is ridiculous I only had one person but I got transferred to a supervisor and that went totally left she didnt even seem like she knew what she was doing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: KS

Complaint narrative:
I received a bank statement in the mail from Bank of America that was for a small Business checking account that I did not open. When I called to shut it down, I asked what information they had on the account. They had somehow obtained my company 's federal tax i.d . to open the account with. They had my company 's business address and phone number. They did not have my email, name, or social security number. The account was opened on XXXX XXXX of this year with {$0.00}. Bank of America XXXX XXXX. closed it today, XXXX XXXX, 2025. They asked if I had any idea who might have opened it. As we are a small company, I would be the only one opening a bank account. I suspect that someone at Bank of America opened it.

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 2025-02-25 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:
" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I noticed my credit score declined and it showed an unpaid debt. 
I contacted resurgent capital services at XXXX and explained this was not my debt and asked for the corresponding account number and entity. They said they could not tell me the account number. I asked to dispute the debt and sent a certified sign receipt letter to them. 
I received information showing XXXX XXXX acct ending in XXXX. Reference ID XXXX. Original date XXXX charge off date XXXX amount XXXX. I never receieved any information from anyone until I saw it affect my credit score and called them. I have never used this bank. Years ago I had a credit card that I had to prepay with {$2000.00}. I cancelled with them and they closed the account and sent me a check with my remaining deposit. It took them XXXX weeks to send the check so everything had plenty of time to clear. Thats the only idea I have of something that could have been XXXX XXXX  The card was not in that name at that time. It was called first progress. I see them listed as a predatory secured card on multiple sites. 
The only conclusion I can come to is that the cancelled card erroneously charged my card after the account was closed and never sent a statement. But they waited XXXX weeks to send my {$2000.00} deposit back so there was plenty of money to have paid any charges if they were prior to the cancellation of the card. When I spoke with the debt collector they stated they have had multiple complaints about first progress adding charges after accounts were closed. 
I am hoping to have this removed from all XXXX credit bureaus. I appreciate any help you can give. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates, inaccurately reporting to credit bureaus. I called and advised the debt was a result of identity theft. Filed identity theft report and contacted the credit bureaus. Portfolio recovery association is still reporting. Please remove the negative reporting from XXXX, XXXX, and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I contact National Credit System XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$1800.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked the name and address of the original creditor, the complete account number and the amount. As well as, a detailed explanation and itemized statement of the charges and fees associated with the debt.

In addition, proof that they had the right to collect the debt, including any agreement that grants them authority to collect on behalf of the original creditor.

Lastly, I requested that they send proof that the alleged debt is owed by me including any signed agreement or contracts. Yet, the company has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NJ

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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a card in the mail that I never opened or applied for. I contacted American Express and disputed the card. Since then, I have not received any communication regarding the dispute process. Today I received a statement in the mail showing that I owed {$9500.00} on this credit card. These are fraudulent purchases that I never approved. I am going to contact my attorney for violating my rights to properly dispute these charges as Fraud and file action against American Express with the Texas Attorney general for violation of my rights. I have tried to handle this matter amicably with AMEX however they have failed to properly investigate this issue and close this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
In accordance with the fair credit reporting act Account # XXXX XXXX XXXXXXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. 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 furnish a acount without my written instructions.

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 2025-02-25 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: FL

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
On XX/XX/year> I received a letter from First National Bank of Omaha regarding my XXXX  Visa Signature card stating that on XX/XX/XXXX I will receive a charge of {$1.00} per month for my monthly statement unless I sign up for paperless statements. Since I do not trust the internet to keep my information secure and never have any of our personal information or banking info. on the internet unless my provider does so internally, I do not want to sign up for this paperless banking. 
I, however, do not want to pay a fee for something that all other companies I deal with provide as a matter of course. 
I responded to them on XX/XX/XXXX with an e-mail stating that FBNO was putting my account in jeopardy of being compromised by hackers and that if it is, what is their penalty for coercing me to sign up for paperless.

I told FBNO that I was contacting my Senators, Congressman and others about this policy that I consider to be illegal. 
I have sent letters with all the information to these individuals and would have sent it to you but it seems that this website is the only I can voice my complaint. 
I have yet to see a reply from FNBO and have signed up for this service to save almost {$24.00} per year. I will cancel this paperless authorization immediately should you find this coercive charge to be illegal.

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/year>2025 cashapp closed my account and with will don't transfer any money of my account I try pending it but it said I'm block from website so I can do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Regarding Failure to Remove Fraudulent Debt from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, a credit reporting agency, for their failure to remove a fraudulent debt from my credit report. The debt in question was created using a falsified lease agreement, and despite my attempts to have it investigated and removed, Equifax has not taken the necessary action. 

XXXX XXXX XXXXXXXX XXXX # XXXX When I discovered that a fraudulent debt had been added to my credit report. After reviewing the details, I found that the debt stemmed from a lease agreement that was falsified in my name. I did not sign any such lease, nor have I entered into any agreement with the creditor associated with the debt. 

I immediately contacted Equifax to report the issue and requested that they investigate the fraudulent activity. I provided supporting documentation, including the original lease. 

However, despite my efforts, Equifax has failed to remove the fraudulent debt from my credit report. I have sent multiple follow-up requests, but no resolution has been reached. The presence of this fraudulent debt continues to negatively affect my credit score and financial wellbeing. 

I believe Equifax is in violation of the Fair Credit Reporting Act, as they have not taken appropriate steps to investigate or correct the erroneous information. I am requesting the Consumer Financial Protection Bureaus assistance in resolving this matter and ensuring that Equifax acts in compliance with the law by promptly removing the fraudulent debt from my credit report. 

Please feel free to contact me at ( XXXX ) XXXX or XXXX for any additional information or clarification regarding this matter. 

Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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