vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Good afternoon, My name is XXXX XXXX I am currently out of state in XXXX florida and someone managed to spend nearly {$2000.00} dollars without physically having my debit care from my checking account in georgia. 

I am supposed to leave Sunday but am now low on money in my checking account. 

I have called fifth third bank and they keep saying it will take 8 business days to credit my account if at all while the fraud is investigated. I have tried telling them this money was stolen and necessary for return to my home state to work monday. 

There was a transaction XX/XX/XXXX for {$480.00} dollars made in XXXX georgia merchant payment nst XXXX XXXX # XXXX. 

The next transaction was made today in XXXX, GA for for {$480.00} dollars The text transaction XXXX Georgia for {$480.00} dollars The fourth transaction in XXXX Georgia for {$480.00} dollars I did not authorize any of these and have had all of these funds removed from my account against my will and my bank for some can not credit me these funds temporarily while open a new account or help me in any way while they investigate for 8 business days from when the transaction POSTS. The last XXXX are still PENDING meaning an additional 3-5 business days per fifth third bank. 

I can give any information necessary to get this resolved thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactio

n ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from
the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I woke up this morning to find an unauthorized inquiry on my credit report, and XXXX extremely frustrated because I have no idea how it got there. I routinely check my report and have never seen this before. I even refreshed my browser thinking it was a glitch, but nothing changed. I urgently need the documents I submitted to be reviewed carefully so I dont have to deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX XX/XX/year> at around XXXX to XXXX, I don't remember the time well. I tried to make a deposit at the ATM outside XXXX XXXX XXXX in XXXX, XXXX XXXX at bank First Bank. ATM number XXXX. I tried to make a deposit of {$2000.00} dollars because the ATM only accepts up to XXXX bills. Well, I deposited the XXXX bills, but the ATM only accepted XXXX bills, like {$300.00} bills. Then I tried to make another transaction little by little, but since there were more people behind me, it canceled the transaction. I tried to enter the XXXX XXXX XXXX facilities since there is another ATM inside and I could deposit calmly without leaving anyone waiting, but they didn't let me in because the facilities opened at XXXX. Well, I went back outside and among all the transactions I could only deposit {$1000.00}. I deposited the remaining {$920.00}, and the ATM took the money, began counting for a while, and a red light came on while counting. It was supposed to ask me if the total was correct and if I wanted to make another transaction. That never happened, and the ATM never asked me about the total deposited or the transaction, and the ATM returned to the main menu. I checked my account right away, and the {$920.00} never appeared, but the other {$1000.00} did, so I transferred it to my other account at XXXX XXXX XXXX, waiting for the {$920.00} to appear at First Bank. I called and filed a claim, and XXXX times I received a letter saying it wasn't happening. I told them there had to be a discrepancy or that they saw me depositing the money since there were cameras. I also told them to verify that no XXXX  had withdrawn money and that the {$920.00} had gotten stuck in the machine and returned it to someone else. But I received no help either. It's unfair because I've never had any problems with them, but this is unfair that this is happening to me, and they don't want to help me. The last time I wrote a card by hand cause they ask me to do a a brief summary of what happened. Even with that card they did the same resolution. I'm not stealing ; I'm claiming what belongs to me. Yes i did a deposit on XX/XX/XXXX that was Saturday and was {$2000.00} and was reflected. But if you deposit on weekend the deposit will be reflected as deposits was issue monday. And if you verify my account {$2000.00} XXXX plus {$1000.00} XXXX will be {$3000.00}. Even with that sum, there is the {$920.00} left. And they statement deposit reflect on XXXX. Obviously if you check camera on XXXX, I was not there. They just say " the {$2000.00} are there. Ok but the sum of the other {$1000.00} are not {$4000.00}. Where is the other {$920.00}? This is my account number below and routing First Bank account Number XXXX Routing Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: PA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I got a XXXX the first week of online school starting. I tried to do the work but I was hurt pretty bad for XXXX  months I was on temporary XXXX and I reported it to the school once I provided all the documentation they needed they still would not retroactively update my status and release me from responsibility since I could not attend online with a concussion.

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 2025-04-18 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: NC

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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-18 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: OH

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
I have called over 100 times mailed letters emailed left messages with no responses. The change fixed rate have additional charges with no explanation. Wont give me log on talk to foreiners who dont understand ask for manager no returned calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Tonight access to my funds from Marcus Goldman and Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
paypal closed my account in XXXX, as soon as a {$770.00} payment was made. My money has been held by paypal and i can not access it my funds or transfer my fund. Paypal has said they won't release my money until after 120 or 240 days. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In XXXX of XXXX, my XXXX XXXX dropped due to a new account being added as " Barclays Bank Delaware ''. After initially speaking with Barclays Bank Delaware customer service in XXXX of XXXX, I was told the account was opened in XXXX. I told them I had no knowledge of the account, which was fraudulently opened up in my name. When transferred to the XXXX department I was told Barclays XXXX team would investigate and would notify me of a decision within XXXX business days. I provided my email, home address, and phone number as methods to be contacted. Ive called Barclays Bank Delaware XXXX XXXX asking for a status update and the issue has still not been resolved. After numerous attempts to resolve the issue over the phone with Barclays customer service team XXXX left without answers. No one was able to provide information regarding the account. XXXX never connected with the appropriate representative to help investigate. Ive been hung up on trying to receive information. They have not provided any resources to show theyve made an effort to investigate or resolve this matter.

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 2025-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I have dutifully paid my standard student loan payment to XXXX for years, after consolidating federal student loans. Due to a recent restructuring, they lost track of my XXXX payment. I downloaded proof of payment and submitted it through their portal as requested. I received a notice indicating they would process the proof of payment in 4-5 days. That was approximately six weeks ago. I have had multiple conversations with representatives in which I was assured that they are aware of the issue, that they would not file a credit report, and that collection calls would stop. I have been called almost every day for the last few weeks, including 5 consecutive days. When I answer the call, the hang up on me. This is on top of multiple letters and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: KS

Complaint narrative:
They are calling me multiple times per day, XXXX times in a week. It seems like harassment the account of times they will call each day. They also will try to take the money out of my account more than twice. Attempted to withdrawal from my account XX/XX/year>, XXXX, XXXX and XXXX for {$570.00} was attempted on my debit card. Kansas law states they can only try it twice with my authorization and need reauthorization from me to make more attempts. They have been predatory towards me for years I haven't been able to pay off my loans and get harassed by 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 2025-04-18 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: NJ

Complaint narrative:
Upon checking my credit report I have noticed unauthorized inquires and addresses on my report. Please remove inquiries and addresses that are stated below. Transunion- XXXX ( Bank ) XX/XX/XXXX Equifax/Transunion addresses- XXXX XXXX XXXX XXXX XXXX NJ XXXX , XXXX XXXX XXXX XXXX Nj XXXX, XXXX XXXX XXXX XXXX NJ XXXX Experian- XXXX XXXX/ XXXX- XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX NJ XXXX Please remove all accounts listed above they are fruadulent.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I got an alert today from Experian that XXXX XXXX XXXX XXXX had added the same account twice on my credit report after reporting it for {$78.00} to now {$570.00} when they already sent me paperwork stating this account was paid through a saving account. They have been violating my right report negative items the are against the FCRA And FDPCA Regulation F, issued by the CFPB, establishes responsibilities for debt collectors regarding the chain of ownership and communication practices. 
Additionally, collectors must follow strict communication guidelines, including limits on call frequency, opt-out options for digital messages, and prohibitions on harassment or misrepresentation. 
Validation Notice Credit Reporting Communication Limits Digital Contact Harassment Protections No misrepresentation, excessive contact, or collection on unverifiable debts. 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance

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