vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Received an email on XX/XX/XXXX stating an account had been opened in my name. This company does not have a phone number or readily accessible email. Advised on chat feature within app but you have to log in to use it. Seeing as account was opened fraudulently, I don't have log in info. Finally found an email on XX/XX/XXXX and requested to close account. Was informed XX/XX/XXXX it had been closed. Months later XX/XX/XXXX received another email that account was suspended for suspicious activity. Which means it clearly wasn't closed when I asked. Can not easily contact company to resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whomever it may concern. 
I am XXXX XXXX military and was deciding between multiple high level travel credit cards such as XXXX XXXX and XXXX XXXX XXXX Just about all of these cards waive the annual fee if you get the card while XXXX XXXX. So it was under my impression when I spoke to capital one back in 2023 the same would apply however that was not the case. They only waive the fee if you get the card before XXXX XXXX but that information was not passed to me. I became XXXX XXXX on XX/XX/year> although even that date is iffy because thats just when I had to arrive to my training base. I started training about a month later. ( I have all the recieipts if needed. ) I got the XXXX XXXX XXXX on XX/XX/year> just DAYS later after XXXX XXXX because I thought it had to be while I was active like all the other cards utilizing XXXX and XXXX. And because of that I am now paying a {$390.00} annual fee every year because days. They told me they are sorry the correct information was not passed down to me before when I called about it and I can first submit my military information to the capital one office to see what they say if they accept the waive which I did and they rejected it. Then if they reject I can call every year to see if they can waive itits now year XXXX and every time I called they say we can not waive it. Try again next year. I feel as if I was misled and its really a disservice to military members such as myself to be told something incorrect and be penalized for it every year all days. Any way you can help me get this fee waived? Once again I have receipts if AD date and date the card opened. Thank you for taking time to read this it means a lot. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On Saturday, XX/XX/year>, my mother attempted to send XXXX dollars through cash app because she is on my mint mobile plan. However, when she attempted she was unable to send the money. I don't usually use cash app but I do to send money between myself and my mother ( because she has a lower income ), so when I logged in after she notified me I was surprised to see a message that my cash app account was closed for gambling. 

I don't gamble, first of all, and when I asked about why they closed it for gambling he only asked me questions such as do you use this account for XXXX and do you use it for gambling to which I replied no for both questions. That's because I have never used the app for either, which they should be able to see, and I didn't even know they used XXXX. The associate I spoke to was nice and sent in an appeal but the fact that I was NEVER notified of a problem is ridiculous. 

I would like a detailed explanation as to what transaction between my mother caused them to get concerned. I would also like an apology. I don't care if the open the account back up because I'll probably never use them again now but I deserve this information and apology at the very least. In my opinion, they should be fined for closing my account without any notice and/or due process. 

I've attached screenshots to show my activity. As you can see, there are transactions between my mother and the only other ones are points earned through coffee shops or retailers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Chime Financial Inc
State: TN

Complaint narrative:
Hello, I opened a Chime account. Their agreement and advertisement to protect you from fraudulent purchases is untrue. Over the holidays, I purchased what was represented as the XXXX XXXX. When I received the " confirmation email '' with a link to my purchase and tracking information, the links went to nothing. I checked my Chime account and saw that the deduction from my account was from " XXXX apparel '' CLEARLY NOT XXXX. 

I went through the dispute process, and it was denied. Confused, I called in to speak with someone, and there isn't anyone who can give you an answer. Their " support '' is someone who is reading from a script and is not able to give you any information. They suggested I resubmit. So, I went through the process again. Uploaded all the documentation and completed the form, which was denied again. So now I'm here filing this complaint. The charge on my account was {$49.00}. It's not even about the money at this point. Going to their XXXX account, I'm not the only one they do this to. They are falsely advertising policies they are not living up to, taking advantage of people and taking their money. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a certified dispute letter to LVNV Funding LLC requesting debt validation under FCRA 611 ( 15 U.S.C. 1681i ). My letter was delivered via USPS Certified Mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). 

Per the Fair Credit Reporting Act ( FCRA ), LVNV Funding LLC was required to respond within 30 days with proper documentation proving the legitimacy of the debt. To date, I have not received any response or validation from the company.

Since the debt remains unverified, it must be removed from my credit report as required by law. LVNV Funding LLC is in violation of FCRA 611, which mandates that a furnisher of credit information must investigate and respond within the legally required timeframe.

Additionally, the account being reported may also be past the statute of limitations for collection in Florida, meaning it is legally unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
I have put in NUMEROUS disputes with Experian because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his XXXX XXXX credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for XXXX and 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 2025-02-15 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: MO

Complaint narrative:
I have put in NUMEROUS disputes with XXXX because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his XXXX XXXX credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for XXXX and Equifax!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
I have put in NUMEROUS disputes with XXXX because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his XXXX XXXX credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for Transusion and 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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Filed a complaint with CFPB about FCO. FCO responded that they sent a ledger, and renter agreement. However, all of which the company is stating that has been sent is a false information. As I have NEVER received ANY validations of debt from this company.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-15 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am writing to formally dispute a delinquent account reported by American Credit Acceptance ( ACA ) that I believe is fraudulent and does not belong to me. The details of the account in question are as follows : * Account Number : [ XXXX ] * Creditor : American Credit Acceptance * Reported Amount : [ {$19000.00} ] Background Information I would like to clarify that I have never entered into any contract or agreement with American Credit Acceptance. The account was originally financed through an in-house finance lender, and I have no knowledge or documentation indicating any transfer of this account to ACA.

Upon reviewing my credit report, I found this account listed as delinquent, which has negatively impacted my credit score and overall financial standing. I firmly believe that this entry is erroneous due to the following reasons : 1. Lack of Contractual Agreement : I have not signed any contract with ACA nor author
ized them to manage or collect on any debt related to my name.

2. Original Lender Information : My records indicate that the original financing was conducted through an in-house lender, and there has been no communication regarding a transfer of this debt to ACA.

3. Fraudulent Activity : Given that I did not authorize any dealings with ACA, it raises concerns about potential identity theft or fraudulent activity associated with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> at XXXX I received a fraud alert text from Bank of America about my business account, claiming unusual activity using my debit card, requesting a call back. 

I did not see the text and didnt respond as I was in a meeting for a job I had recently started. 

After my work ended, on XX/XX/year> at XXXX, I called Bank of America and was told multiple transactions were made using my debit card. I denied all charges as fraudulent. 

There were 12 charges, some made multiple times by a single vendor, made in rapid succession and totally to over {$9000.00}. 

Up until this time, my debit card had barely been used, rarely ever for online or in person purchases. In fact, over the span of an entire year, my debit card had only been used by me a total of 2 times. So 12 charges at multiple vendors in a span of less than an hour should have been flagged as highly unusual and the transactions should not have been processed.

Based on my call with the fraud department, they claimed that the charges had been allowed to process and I needed to file a fraud claim. I filed a fraud claim on the transactions.

I never received any communications from the bank on my claim, not by mail or in the online messaging system. But one month later on XX/XX/year> I noticed that the claim amount had not be reimbursed on my account. I called the claims department who said my claim had been denied for multiple reason : I had history with the vendors who charged my debit card ( which is untrue ) and I did not respond to the fraud alert text in time ( I responded in less than 3 hours ). 

I asked to reopen the claim and speak with a supervisor and was denied that option. I requested a call-back from a supervisor and set up the call back. 

As of XX/XX/year> I have yet to receive a call back. Within my digital account if I try and dispute one of the fraudulent charges, it says a claim is already open for this charge, see your messages. I click the see your messages and it brings up my inbox which is empty.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against Experian, Transunion & Equifax for failing to correct inaccurate late payments on my credit report, despite multiple disputes. 

The accounts in question are : XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX I have disputed these late payments five times, but the credit bureaus and data furnishers have failed to correct or properly investigate them, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues & Violations : Failure to Reinvestigate ( FCRA 611, 15 U.S.C. 1681i ) : The credit bureau ( s ) must conduct a proper reinvestigation within 30 days and delete or correct any inaccurate, incomplete, or unverifiable information. 
Reporting Inaccurate Information ( FCRA 623, 15 U.S.C. 1681s-2 ) : Data furnishers are legally required to report only accurate information, yet they continue to report incorrect late payments that negatively impact my credit score.

Willful Noncompliance ( FCRA 616, 15 U.S.C. 1681n ) : Despite repeated disputes, the inaccurate late payments remain, demonstrating willful noncompliance with federal law.

Impact on Me : These inaccurate late payments have harmed my credit score, affecting my ability to secure financial opportunities. Since this is my fifth dispute, the failure to correct the errors is unacceptable. 

Requested Resolution : I am requesting immediate CFPB intervention to ensure : A proper reinvestigation of my disputes. 
The removal of inaccurate late payments from my credit report. 
That Experian, Transunion & Equifax and the data furnishers comply with the FCRA moving forward. 

I updated credit reports showing the errors that remain. 

Thank you for addressing this matter promptly.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Experian, Transunion & Equifax for failing to correct inaccurate late payments on my credit report, despite multiple disputes. 

The accounts in question are : XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX I have disputed these late payments five times, but the credit bureaus and data furnishers have failed to correct or properly investigate them, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues & Violations : Failure to Reinvestigate ( FCRA 611, 15 U.S.C. 1681i ) : The credit bureau ( s ) must conduct a proper reinvestigation within 30 days and delete or correct any inaccurate, incomplete, or unverifiable information. 
Reporting Inaccurate Information ( FCRA 623, 15 U.S.C. 1681s-2 ) : Data furnishers are legally required to report only accurate information, yet they continue to report incorrect late payments that negatively impact my credit score.

Willful Noncompliance ( FCRA 616, 15 U.S.C. 1681n ) : Despite repeated disputes, the inaccurate late payments remain, demonstrating willful noncompliance with federal law.

Impact on Me : These inaccurate late payments have harmed my credit score, affecting my ability to secure financial opportunities. Since this is my fifth dispute, the failure to correct the errors is unacceptable. 

Requested Resolution : I am requesting immediate CFPB intervention to ensure : A proper reinvestigation of my disputes. 
The removal of inaccurate late payments from my credit report. 
That Experian, Transunion & Equifax and the data furnishers comply with the FCRA moving forward. 

I updated credit reports showing the errors that remain. 

Thank you for addressing this matter promptly.

Company response to consumer: Closed with non-monetary relief