vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX my XXXX account was hacked via a XXXX on my personal PC. {$1100.00} was withdrawn from my XXXX account and deposited into a fraudulent XXXX account opened in my name by Chime Financial , Inc. Since the fraudulent account was setup in XXXX with " plaid verification '', at that time I did not know where the money was sent. XXXX would not provide me any further support to recover the money or provide details on the account. On XX/XX/XXXX I received a debit card in the mail from Chime for the fraudulent account, including the XXXX account number. I immediately contacted Chime and reported the account as fraudulent, they would not provide me any information about how the account was opened or about the status of the money in the account. I tried getting this information from Chime for over a year, with 55 email correspondences and many phone calls. Eventually they provided me a checking account statement on XX/XX/XXXX showing the money was stolen from the account almost immediately after it was opened and before sending me the debit card. They still won't provide me any information on how this account was opened in my name or refund the money that was stolen from me. I filed a local police report on XX/XX/XXXX and an FTC complaint on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This collection Is showing on my credit report but does not belong to me. XXXX XXXX XXXX I have disputed this account with all credit bureaus and also with the creditor. I have mailed letters to this collections agency as well as letters to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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 2025-02-01 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: OH

Complaint narrative:
a description of the procedure used to determine the accuracy of the disputed info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
After the repossession they took ownership of there vehicle and they sold it to the highest bidder. Afterwards they filed with the irs profit and loss and was paid the monies from the vehicle and negative remarks on my credit report and i asked for it to be removed. The name of the company is REGIONAL AC 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 2025-02-01 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: PA

Complaint narrative:
I've recently received a coy of my credit report ad noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$7400.00} reported in my account and I am unaware of this debt

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 2025-02-01 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: Synovus Bank
State: CA

Complaint narrative:
I am filing a formal complaint regarding discrepancies and errors on my credit report, which negatively affect my credit score and financial well-being. Here are the details of my complaint : The account has inconsistent reporting across XXXX, XXXX, and XXXX. 


XXXX and XXXX reported the " Last Reported '' dates as XX/XX/year> and XX/XX/year>, respectively. 


XXXX has no record of this account, despite it being reported to the other bureaus. 


This discrepancy violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent information. 


The account is listed as " Collection/Chargeoff '' for both XXXX and XXXX. However, there is no supporting documentation or clarification for this status. 


I contacted the creditor directly and provided the account number, yet I was unable to obtain any information about the account. This lack of cooperation has hindered my ability to verify and address the discrepancies. 


I was not able to resolve this problem with the creditor because they refused to provide any information about the account. 


The discrepancies and missing data are unfairly damaging my credit score and ability to secure favorable financial terms. 


This is the list of steps I had taken before filing a complaint : I contacted the creditor directly to address these inconsistencies, but the issue remains unresolved. 


I have also initiated disputes with XXXX, XXXX, and XXXX, yet no corrective action has been taken. 


I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the creditor corrects the discrepancies. 


The " Last Reported '' dates should be consistent across all bureaus. 


XXXX should report the account accurately if required. 


Any negative marks resulting from these inaccuracies should be removed from my credit report. 


The creditor should be required to provide the requested account information to ensure proper resolution. 


I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected.

Additionally, its dispute resolution process was unfair and deceptive, failing to comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result of these violations, I have experienced significant inconvenience and financial loss. I seek a full investigation into these issues and appropriate redress for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a checking account at the citibank location in XXXX XXXX New York on XX/XX/XXXX. Today is now XX/XX/XXXX my account was closed. I come to the location to see no one is able to help me. My account was made for direct deposits for my job, so I wasnt able to deposit money the day I opened it. They are saying its fraud when I havent even put any money into the account yet.

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 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
Theyve not provided with information showing that this is my debt. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I think PENFED needs to be investigated for discriminatory practice. I am being denied a free checking account with no explanation. when i call no one tells me anything an treats me like a criminal or something. everyone is very secretive and no letters are sent. I check XXXX XXXX  my credit is XXXX. I do not know why they keep denying my application. its very sad because i have friends who bank with them and love them. this is odd please explain or help me figure this out

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 2025-02-01 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: DC

Complaint narrative:
Zelles money to wrong person could not retrieve back to send to correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Had multiple back to back large charges from a couple different named merchants on my Bank of America card. My bank fraud department immediately called me asking if I did these charges. I said definitely not! They filed the fraud claim for me then denied it a week later saying I had used my phone for these purchases. It is obvious fraudulent activity of over {$1600.00}!

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 monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XXXX withdrawals were made from our joint account on XX/XX/year>, one for {$950.00} and one for {$490.00}. I called my bank ( Santander ) and was told to contact their fraud department. I did so and was given an ID number to track my complaint. I was told that the bank has 90 days to respond to my claim. The tracking number I was given was XXXX. I called the bank on XX/XX/XXXX and was told they could not locate my tracking number. They had given me a number that was only to track clearing house transfers, I was told I had to open a new complaint with the new number XXXX took place on XX/XX/XXXX. This served to extend the banks 90-day window to XX/XX/XXXX. 
Nothing happened until we spoke again on XX/XX/XXXX, the conversation became heated as I felt I was being treated very poorly. The conversation ended with the bank telling me that I would receive a resolution by XXXX XXXX. I received a letter dated XX/XX/XXXX containing " proof '' that the transaction actually took place. There was never any proof that we had acted fraudulently or had anything to do their transactions.I have correspondence from Santander which can not be sent in this fashion.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App 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 Fraud 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 2025-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX ate of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/year> I got a phone call that the money I had just received from insurance company {$3400.00} ( due to some damage to my car ) was being flagged as suspicious and needed immediate action. The person who called me acting as a Wells Fargo representative knew my first name and told me that I needed to transfer the money to them because it needed to go under investigation. I truly believed him and since I knew the money I received was from an insurance company I had nothing to hide so I complied. The person told me to go into my mobile app and to type in confirmation number multiple times. As soon as I did that he hung up and I noticed my money was gone, I immediately told my wife about it and she told me it was a fraud. Within minutes we called Wells Fargo and reported everything. When we went back to check my mobile app I noticed that the XXXX transactions were made out to me with a totally different phone number but also had a different name enrolled under the description. The bank told us it would take at least 5 business days to get an investigation. But the letter we got back stating that there was no fraud has a date of XX/XX/year>. When I called to see what else can be done or if we can get documentation, the bank told me I should of gotten a letter in the mail but that was it and I never received any other mail or statements with proof that the bank used to determine it was not fraud. A couple days later my wife and my mother in law got automated messages from our bank stating that there was some scam and fraud going due to some compromised information, Yet they failed to realized that what had happened to me was also a fraud.

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