vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercury Technologies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Unlawful Withholding of Funds in Account [ Your Account Number ] To Whom It XXXX Concern : I am writing to formally request the immediate release of {$16000.00} unlawfully withheld from my account since XX/XX/XXXX, and to address your failure to comply with federal regulations governing account freezes and consumer protections. 

On or around XX/XX/XXXX, XXXX XXXX locked my business bank account ( # XXXX ) and accused it of involvement in fraudulent activity, without providing any written explanation, evidence, or documentation to support this claim. Despite my repeated attempts to resolve this matter, XXXX XXXX has refused to return my funds or clarify the basis for withholding them for over XXXX years. 

This violates multiple federal and state laws, including : Regulation XXXX ( Electronic Fund Transfer Act, XXXX U.S.C. XXXX et seq. ) : Banks must investigate suspected fraud within XXXX business days of notification and either resolve the issue or provide provisional credit ( XXXX C.F.R. XXXX ). 

Failure to complete an investigation within 45 days ( if provisional credit is issued ) requires the bank to refund the withheld funds and notify the account holder in writing. 

XXXX XXXX XXXX Laws : After a statutory dormancy period ( typically 35 years, depending on your state ), banks must transfer unclaimed funds to the state. 

XXXX XXXX has no legal right to indefinitely withhold funds without a court order or lawful justification. 

Duty to Provide Documentation ( XXXX C.F.R. XXXX ) : You are legally required to furnish all records related to the alleged fraud and account closure upon my request. 

I demand the following within XXXX business days of this letter : The immediate release of the full {$16000.00} balance, plus accrued interest. 

A written explanation of the specific fraudulent activity you allege, including all supporting evidence. 

Copies of all documentation related to the account freeze, investigation, and decisions to withhold funds. 

If XXXX XXXX  fails to comply, I will : Escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and file a formal complaint for unfair and deceptive practices. 

Report the withheld funds to my states XXXX XXXX XXXX as abandoned property. 

Pursue legal action to recover the funds, including attorneys fees and damages under XXXX ( XXXX XXXX. XXXX ). 

I have already submitted a complaint to the CFPB ( [ Reference #, if applicable ] ) and will forward this letter to their office. 
Sincerely, XXXX XXXX ( XXXX ) XXXX | XXXX Enclosures : Copies of prior communications, CFPB complaint records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I accidentally sent a XXXX transaction for {$1500.00} to the wrong person, XXXX XXXX XXXX, instead of paying my daughter 's rent. I contacted Chase immediately after the transaction occurred, as it was still showing as pending in my account, hoping they could cancel it. They escalated the issue to the claims department and assured me someone would call me on Monday, but no one reached out. On the same day, I also tried reaching out multiple times to the person who received the money, but was met with threats. He referred to me as an " Ilegal scammer, '' and threatened to " come and find me. '' I filed a police report ( Report # XXXX ) due to the threats I received from the person who stole my money. I also contacted the Texas police, where he resides. They reached out to XXXX XXXX XXXX to confirm that the incident wasnt a scam and was a mistake, but the man refused to return my money. I informed Chase about the threats and provided them with the police report number. However, on XX/XX/year>, when I called Chase again, they told me that since I had willingly sent the money, it wasnt considered fraud. They explained they would try to retrieve my funds as a " courtesy, '' but essentially stated that my money was lost. Additionally, they mentioned it would take over a month to resolve the issue. Ive been crying since Saturday, devastated over my mistake, and holding on to hope that there would be a way to recover the money. In Georgia, anything over {$1500.00} is considered a felony, and this situation has left me emotionally drained. I'm a divorced mother with XXXX daughters in college, and to make matters worse, their father is unemployed. I cant believe theres no control on apps like XXXX, especially when it comes to larger transfers. I am urgently requesting the return of my money, along with compensation for the time, stress, and emotional suffering I've endured trying to resolve this issue. 
Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) Billing adjustment ; I've spent hours on the phone, whit Chase XXXX XXXX police and the man who received the money by error since and NO ONE could help, I demand compensation for all that i've been through, not to mention that is going to take XXXX months to check IF they can recover my money. 

I directly contacted JP Morgan Chase headquarters a case XXXX was filed. A person named XXXX took responsibility of the case. 
They conducted the same type of investigation what they called a courtesy recovery and came back with the same answer was the original claim investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America reps told me over multiple phones calls that my XXXX was being reported to the credit bureaus, I called XXXX and was on line for XXXX minutes until a supervisor was able to see that my ITIN was missing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX FS XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for failing to correct an inaccurate charge-off account on my credit report. Despite my formal dispute and submission of supporting documentation, Experian has failed to properly investigate and remove this incorrect account. The account in question is a charge-off for {$890.00}, which is not mine.Experian has listed an incorrect address associated with this account.Despite following proper dispute procedures, Experian has XXXX to correct or remove the inaccurate information from my credit report. I have attached the following documents for verification : XXXX of my drivers license ( shows my identity, though address is outdated ) .I have not lived at this address since 2021. 
Copy of my lease agreement ( proves my actual address and that I moved over XXXX years ago ). 
A recent utility bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was scammed by someone I met on XXXX who claimed to offer a product/service and communicated with me through XXXX. Their profile appeared legitimate, and although they didnt provide pictures of their work, they seemed trustworthy enough for me to believe the offer was real. 

I sent money to them through XXXX, but after the payment was made, they stopped responding and blocked me. I received nothing in return. 

I contacted Wells Fargo to report the fraud and explained everything. I told them I had proofincluding the XXXX conversation and details of the transactionbut the bank was not willing to review or accept any of my evidence. My claim was denied without a proper investigation, and I was simply told I shouldnt send money to people I dont know. 

This was not a mistake on my partit was a scam. I acted in good faith and was deceived. XXXX requesting the CFPB to investigate XXXX XXXX handling of this case and help me recover the funds that were fraudulently taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Today ( XX/XX/year> ) at XXXX, I received an email from TD Bank with a welcome message on opening a checking account. I called and spoke to fraud advisor at XXXX to report. They blocked account and advised to contact and report incident

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I entered a financial hardship payment plan with Best Buy Credit Services ( Citibank , N.A . ) to address temporary difficulties with my XXXX Best Buy XXXX XXXX account. The plan required fixed monthly payments of {$690.00}. During the plan, XXXX payments were returned due to a banking error. However, these issues were immediately and fully resolved within the agreed framework. By XX/XX/XXXX, I had completed all payments, and the account was restored to good standing. 

Despite this compliance, Best Buy Credit Services cited the resolved returned paymentsoccurring during the hardship planas grounds to abruptly close my account on XX/XX/XXXX, just XXXX day after I challenged their refusal to correct inaccuracies on my credit report. This closure is pretextual and retaliatory, as the stated reason directly contradicts the terms of the completed agreement. 

Key Issues : XXXX XXXX : The XXXX returned payments justification ignores that these occurred during the hardship plan and were resolved. The closure violates the spirit of the agreement. 

Retaliatory Timing : The closure followed a heated interaction on XX/XX/XXXX, where I disputed inaccurate credit reporting and faced racially charged hostility from a supervisor. The supervisor hung up after I referenced filing a CFPB complaint. 

XXXX Discrimination : The supervisors derogatory tone and language during the call, paired with the abrupt closure, suggest discriminatory motives under the Equal Credit Opportunity Act ( ECOA ). 

Credit Reporting Errors : Best Buy Credit Services refused to correct delinquency marks on my credit report, falsely portraying the account as delinquent even after full payment. 

Legal Violations : ECOA : Pretextual closure and discriminatory conduct. 
Fair Credit Reporting Act ( FCRA ) : Failure to correct inaccuracies. 
Consumer Financial Protection Act : Retaliation for asserting rights.

Requested Actions : Restore my account to good standing immediately, as the closure reason is unfounded retaliatory, and discriminatory.

Remove all inaccuracies ( delinquency marks, closure notation ) from credit reports. 

Investigate XXXX discrimination allegations and hold Citibank accountable under XXXX. 

Compel Citibank to provide written confirmation of corrective actions and compliance with anti-discrimination laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing you because I believe my social security number was used fraudulently. I am a victim of Identity Theft due to the XXXX XXXX breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The XXXX accounts listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against Credit bureaus for Reporting Fraudulent Accounts Dear Sir or Madam, I am writing to formally lodge a complaint against credit bureaus for their continued inclusion of two fraudulent credit accounts on my consumer report, despite multiple attempts to have them removed. This persistent inaccuracy has adversely affected my creditworthiness and caused significant distress. 
On XX/XX/year>, I obtained a copy of my credit report from each bureau and identified two accounts that I did not open or authorize. Recognizing these as fraudulent, I promptly contacted each bureau to dispute the inaccuracies. I provided all necessary documentation to substantiate my claims, including a police report and an identity theft affidavit. Despite my efforts, the bureaus has failed to remove these fraudulent accounts from my report.

Fraudulent Accounts in Question : The following accounts have been erroneously reported on my TransUnion credit file : XXXX XXXX  - Account Number : XXXX JPCMB - Account Number : XXXX I have never applied for, authorized, or used these accounts. These accounts are the result of identity theft or misreporting, and I have submitted supporting documentation proving their fraudulent nature. 
Violations of the Fair Credit Reporting Act ( FCRA ) : The bureaus actions constitute multiple violations of the FCRA, as outlined below : Failure to Follow Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : \nTransUnion is required to " follow reasonable procedures to assure maximum possible accuracy '' of the information in consumer reports. By reporting fraudulent accounts despite clear evidence to the contrary, each bureau has neglected this duty.

Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : \nUpon receiving proof of identity theft, a consumer reporting agency must block the reporting of information that resulted from such theft. The Bureaus refusal to block the fraudulent accounts violates this provision.

Failure to Disclose Information to the Consumer ( 15 U.S.C. 1681g ) Consumers have the right to know the information contained in their files. The bureaus lack of transparency regarding the investigation process and their findings infringes upon this right.

Failure to Indicate Disputed Information ( 15 U.S.C. 1681c ( f ) ) : \nIf information is disputed by the consumer, the agency must indicate that fact in any subsequent consumer reports. The bureaus omission of dispute notations misrepresents the accuracy of the information provided.

Impact : The presence of these fraudulent accounts has led to : Denial of credit applications. 
Increased interest rates on loans. 
Emotional distress and repetitional damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Credit bureaus for Reporting Fraudulent Accounts Dear Sir or Madam, I am writing to formally lodge a complaint against credit bureaus for their continued inclusion of two fraudulent credit accounts on my consumer report, despite multiple attempts to have them removed. This persistent inaccuracy has adversely affected my creditworthiness and caused significant distress. 
On XX/XX/year>, I obtained a copy of my credit report from each bureau and identified two accounts that I did not open or authorize. Recognizing these as fraudulent, I promptly contacted each bureau to dispute the inaccuracies. I provided all necessary documentation to substantiate my claims, including a police report and an identity theft affidavit. Despite my efforts, the bureaus has failed to remove these fraudulent accounts from my report.

Fraudulent Accounts in Question : The following accounts have been erroneously reported on my TransUnion credit file : XXXX XXXX  - Account Number : XXXX JPCMB - Account Number : XXXX I have never applied for, authorized, or used these accounts. These accounts are the result of identity theft or misreporting, and I have submitted supporting documentation proving their fraudulent nature. 
Violations of the Fair Credit Reporting Act ( FCRA ) : The bureaus actions constitute multiple violations of the FCRA, as outlined below : Failure to Follow Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : \nTransUnion is required to " follow reasonable procedures to assure maximum possible accuracy '' of the information in consumer reports. By reporting fraudulent accounts despite clear evidence to the contrary, each bureau has neglected this duty.

Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : \nUpon receiving proof of identity theft, a consumer reporting agency must block the reporting of information that resulted from such theft. The Bureaus refusal to block the fraudulent accounts violates this provision.

Failure to Disclose Information to the Consumer ( 15 U.S.C. 1681g ) Consumers have the right to know the information contained in their files. The bureaus lack of transparency regarding the investigation process and their findings infringes upon this right.

Failure to Indicate Disputed Information ( 15 U.S.C. 1681c ( f ) ) : \nIf information is disputed by the consumer, the agency must indicate that fact in any subsequent consumer reports. The bureaus omission of dispute notations misrepresents the accuracy of the information provided.

Impact : The presence of these fraudulent accounts has led to : Denial of credit applications. 
Increased interest rates on loans. 
Emotional distress and repetitional damage.

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