vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX  I tried to transfer funds from my social security payment to another card from my Western Union Card netspend card but received an error notice and was told to contact Western Union Netspend customer service. I called and the first representative said I needed to verify my identity with an ID which I did. She said it did not register. She sent me another link and to do it again once again the representative claimed their system did not register my picture ID. The representative told me that I would have to call back. I called back at XXXX. The new representative whom I spoke with told me the same thing '' we need to verify your identity " Once again I sent her my NY state ID which she claims '' our system will Never accept " I asked her to explain why but she could and refused to do so. I asked to speak to a supervisor multiple times in which she refused and said none was available. She also said that I could not access my funds until I provided an ID that their system accepts because apparently it will never accept my NY state ID. I explained to the representative that this is my social security payment and that XXXX XXXX and living in a shelter with my wife and children. She said that wasn't her problem and that I could not access my ssd payment in the amount of {$700.00} something dollars and that I will lose my funds permanently due to a glitch in Western Unions " system '' because it wont take my NY state ID. This is unethical as my ssd payment is the Only income that I have and as stated before XXXX XXXX and living in a XXXX. This is organized theft and fraud. I'm requesting your assistance and reporting this company for illegal ill treatment and unethical financial practices against a XXXX individual.

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 2025-01-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character ) capital XXXX balance {$0.00}, XXXX XXXX XXXX balance {$560.00}, self financial balance {$0.00}, XXXX XXXX XXXX balance {$3300.00},

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
My phone was stolen around XXXX XXXX by an ex partner. In this time, I am working to afford a new phone and ultimately decided to change my number. I attempted to lock my card in person and it was able to be done. On XX/XX/XXXX I received an email stating that my previous number was deleted from my Zelle account due to conducted activity that is inconsistent with Zelles Terms and conditions. When asked what had happened, I was explained that there were large summations ( {$980.00} ) requested from my account to random people, received, and sent out as a scam from my account. MY PHONE WAS STOLEN. Now that I have obtained a new phone and number I am trying to link it to this account with Zelle. however, I am still receiving the same message saying that I am unable to use my number or email with Zelle. This is super frustrating as I am a college student frequently getting funds from my parents via Zelle. My new semester starts soon and with this issue I am concerned about how I will be able to receive my funds if Zelle is prohibiting any money being sent and received to or by me. I dont have images to where the money was sent considering my entire phone was stolen. It could be via XXXX XXXX or XXXX but again with this new phone I have no access to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute credit inquiries that appear on my credit report, which I believe are not accurate and are causing potential harm to my creditworthiness. As a consumer, I am protected by the provisions of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Metro 2 laws, which require accurate and fair reporting of credit information.

According to the Fair Credit Reporting Act, credit inquiries can only be made for the following permissible purposes : 1. A Firm Offer of Credit 2. Insurance 3. An Application for Employment 4. A Court Order The inquiries in question are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with Section 604 of the Fair Credit Reporting Act, consumer reports may only be used for the purposes described in 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that the consumer initiates.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am not aware of these collections. I am a victim of identity theft.

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 2025-01-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX balance {$560.00}, self financial balance {$0.00}, XXXX XXXX XXXX balance {$3300.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-31 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request assistance in obtaining more detailed information regarding a charge-off reported by Comenity Bank on my credit report. I have not yet attempted to contact the company directly but would like to ensure I have all necessary documentation and clarification regarding the nature of the charge-off, the payment history, and the account details leading to this status. 

I am seeking verification of the debt, including documentation of the original agreement, itemized statements, and proof of ownership. I believe this information is crucial in ensuring the accuracy of my credit report. 

I kindly ask for your assistance in facilitating communication with Comenity Bank to obtain these details. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Are deposits made to Bank of America actually loans made to Bank of America? If so then isnt it the bank employees duty to pay back the interest, derivatives, dividends, time and precious commodities owed to the customer/investor who deposits funds pursuant XXXX2 United States Code 1431-duties of banks? 
Please see the document sent in the attachment. Please state whether or not what the document reads stands as the law or not. Lastly please be advised that I and my significant other will be owed compensation for return on investments made to Bank of America.

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, the FBI and COINBASE determined that I was a victim of a cryptocurrency scam. COINBASE unilaterally locked my account, without my consent. Im ok with this, but since XX/XX/XXXX I have repeatedly spoke with people at their Helpline and their Locked Account Line, to try to unlock my account and wire transfer my remaining funds back to my bank account of record. The Helpline and the Locked account line dont believe me when I say COINBASE corporate has locked my account because of the scam, and I can not unlock it and get functionality to wire my funds back to me. Only COINBASE corporate, legal or fraud can unlock my account and the helpline can not help with this. They have tried to elevate my case, and inform legal, but this was over two weeks ago without response. COINBASE has said they will return my funds ( 26 days ago ) but will not say when they will allow me access or wire my funds back to me. So COINBASE has my account locked, and I am prevented from accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Im very upset that my information continues to get breached and spreading on the dark web. Im getting fake emails thats probably an attempt of fraud or hacking. There NO protection of my information yet I have to provide my information to you. Im getting mail for people that dont live at my address yet youre associating me with those people. Im requesting ALL of this false information to be removed and SECURED! If bureaus are unable to protect my identity and information then I shouldnt have to provide it to you. How do I know my identity hasnt been stolen?????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/XXXX, MOHELA sent notice to borrowers that they needed to re-certify their income as part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as this is an annual requirement. According to XXXX XXXX XXXX ( XXXX ), this was incorrect and should not have happened. As a result, XXXX published notice that they were extending the IDR deadline to XX/XX/XXXX. Furthermore, for those borrowers who had already re-certified, if their payment had gone up, it would be reverted to what it was previously. My payment went from {$31.00} to {$110.00}. When I found out about the XXXX XXXX, I immediately contacted MOHELA to get the issue resolved. At the time, I was assured it was going to be taken care of that week, but as of XX/XX/XXXX, the monthly amount due were it not for the save court injunction forbearance, it is still listed as {$110.00}. Through many phone calls, complaints, requests for prior messages on MOHELA 's former platform have accomplished nothing. Even escalating this issue to XXXX has accomplished nothing. 

https : //studentaid.gov/announcements-events/idr-recertification-extended

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
My information was exposed in XXXX large data breaches one being XXXX the other being XXXX which have cause fraudulent accounts to be obtained in my name XXXX XXXX XXXX XXXX XXXX the amount of XXXX $ opened in XX/XX/XXXX also has incorrect information DOB shows XX/XX/XXXX my XXXX is XX/XX/XXXX This is not my account and was opened fraudulently please validate. 
Someone obtained an XXXX XXXX my name XXXX XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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:
My information was exposed in 2 large data breaches one being Equifax the other being XXXX which have cause fraudulent accounts to be obtained in my name XXXX XXXX XXXX XXXX  XXXX the amount of XXXX $ opened in XX/XX/XXXX also has incorrect information DOB shows XX/XX/XXXX my XXXX is XX/XX/XXXX This is not my account and was opened fraudulently please validate. 
Someone obtained an XXXX XXXX my name XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
After carefully reviewing all three of my credit reports from the three major credit bureaus, XXXX, XXXX and Equifax, I noticed that there were multiple errors on my report which included hard credit inquires that were not legally authorized or made by myself. The inquires are listed as it follows below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: MI

Complaint narrative:
For the following companies. 
Transunion, XXXX, and XXXX I am writing to inquire about the recent request for my credit report, which was conducted by your company. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report only for certain permissible purposes, one of which includes when a consumer has authorized it.

I would like to request that you provide a written explanation of the specific permissible purpose under this statute for which my credit report was accessed. Please include any relevant details about the circumstances surrounding this request. 

If this request was made without my prior consent or without a valid permissible purpose, I kindly request that you take appropriate action to rectify the situation in accordance with the FCRA. 

Please respond within 30 days of receipt of this letter. If you have any questions or require additional information, please do not hesitate to contact me at the above address or phone number. 

Thank you for your prompt attention to this matter. 

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 2025-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to transfer money out of my savings account into my checking. It prompted that there was an error and to try again later. I tried again later that night and the same message prompted. I called the customer service line for Chime. They told me it was a special case and they will have a team reach out to me in 24 hours. The team emailed me saying the issue was resolved but it still wasnt working. I went through this again several more times and still no solution. They told me if I close my account it would be mailed to me. I closed the account and they only sent me {$3.00}. I have a total of {$2600.00} in my savings account. The check took a month to get to me and its not even the full amount. I called and they stated my savings account could not be closed. Again they have to reach out to their special team that fix this issue. Its XXXX and ive been dealing with this since XXXX. I cant pay my bills, buy groceries. Ive been saving to get a car and now I have no access to my hard earned money.

Company response to consumer: Closed with explanation