vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I lost my home and Business in a XXXX. I contacted Bank of America regarding the situation and asked for relief. I was told I would be given a 3 month deferral which never happened. Because of this, I was well behind in payments. On XX/XX/XXXXXXXX XXXX XXXX XXXX, I made a payment of {$2500.00} and was told that would bring my account current through XX/XX/XXXX. On XX/XX/XXXX, my vehicle was repossessed without ever receiving any type of communication from Bank of America. After this happened, I contacted them immediately and was told my only option to resolve this was to pay off the total balance of my {$85000.00} truck by paying {$7600.00} plus a repossess fee of {$630.00} for a total of {$8200.00}. I was told several ways to make payment. This morning, I called Bank of America directly to get the wire transfer information as that was one of the options I was given. After completing the transaction of a {$8200.00} wire transfer, I called Bank Of America as they requested. It was at this time, the employee XXXX XXXX informed me this was not an acceptable payment form and she needed to contact her supervisor. The supervisor XXXX XXXX XXXX XXXX  relay to me that a wire transfer was NOT verified funds so I would have to wait at least 7 days for the funds to be verified and applied to my account before a release would be authorized. I called back again an hour later and spoke with a very rude female with an attitude and upon requesting to speak to a supervisor i was put on hold and later informed the only supervisor was in a meeting and would call me back.

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 2025-02-10 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:
A XXXX XXXX XXXX XXXX  account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX}. A XXXX XXXX XXXX XXXX  '' was opened on XX/XX/XXXX with a balance of {$7400.00}. I filed an Identity Theft report to start an investigation for these accounts. PLEASE BE AWARE : " Date Fraud Began '' and " Date I Discovered '' are switched on my report. I tried to get this fixed.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear TransUnion XXXX Department, I am writing to formally dispute the unauthorized re-insertion of an account from XXXX XXXX XXXX on my credit report. This account had previously been removed but was reinserted without any notification to me, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, if any previously deleted information is reinserted into a consumers credit file, the credit reporting agency is required to provide written notice to the consumer within XXXX business days of the re-insertion. I was not notified of this re-insertion. This lack of communication violates my rights under the FCRA. 

Furthermore, I have concerns that XXXX XXXX XXXX may not have conducted the required reinvestigation under 15 U.S.C. 1681s-2 ( b ) before re-reporting this account. This raises serious questions about the accuracy and legitimacy of the account information being reported.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear TransUnion XXXX Department, I am writing to formally dispute the unauthorized re-insertion of an account from XXXX XXXX XXXX on my credit report. This account had previously been removed but was reinserted without any notification to me, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, if any previously deleted information is reinserted into a consumers credit file, the credit reporting agency is required to provide written notice to the consumer within XXXX business days of the re-insertion. I was not notified of this re-insertion. This lack of communication violates my rights under the FCRA. 

Furthermore, I have concerns that XXXX XXXX XXXX may not have conducted the required reinvestigation under 15 U.S.C. 1681s-2 ( b ) before re-reporting this account. This raises serious questions about the accuracy and legitimacy of the account information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> my credit score rose to XXXX, with no changes reported at all, on XX/XX/year> my score dropped XXXXXXXX XXXX. I consulted both FICO and experian to ask what changes they have being reported that made my score drop as none are visible from my reports, neither FICO nor Experian were able to identify any changes reported, so essentially my score dropped XXXX XXXX XXXX month after it went to XXXX for absolutely no identifiable reason. There is no easy way to reach experian but after numerous attempts to call I was able to reach a dispute agent and had a ticket created... waiting for them to confirm that no changes were reported and I shouldn't have had the score decrease

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate The consumer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actives have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NY

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act best known as ( FERPA ) protects the confidential of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I tried to login to my equifax to manage my data and place a freeze on the account but I continuously get this error, We are temporarily unable to complete this request. 
Please try again later. Equifax does not allow you to get help over the internet so I wasted my time in calling them only to be left on the line with no assistance. I waited XXXX minutes to talk to someone and after they answered got my information the call dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 have written the Credit Bureaus Before twice, It seems Someone opened up several XXXX Credit Card Accounts in my name all on the same day. XXXX XXXX had XXXX credit card accounts alone. After taking me to court XXXX XXXX ended up Dismissing the case ( XXXX XXXX. : XXXX ), and the same goes with these other business credit card accounts. They are not legit and not mine as described and proven to XXXX XXXX and all others I have written to. I have attached my case no that was dismissed.. The Credit Bureaus always say these accounts are validated even though the companies have Dismissed the suits in court knowing they are not mine. Please have these accounts deleted from my credit report for they are hurting me from obtaining credit and ruining my life. 
Wrong Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached my dismissed lawsuit and my proof of identity. Thank you for your help.

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 2025-02-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have just closed a Certificate of Deposit that I opened in XXXX ; which matured XX/XX/XXXX. The issue is that I did not select to have any withholding of the earned interest, yet there was a fourth of the expected earnings held. Though I told the company that I am certain that I did not choose to have any withholding, they are saying that I checked the box. The opening of the account was entirely online and I have no hard copy to prove that I did not ask for any withholding. ( I asked them to release to me all of earnings on the CD Immediately. I need these funds for specific purpose of helping grand child pay university fees! ) I believe that this should be investigated to see how many others have disputes with the company declaring that the withholding of any earnings was not requested. Now, they get to use my earned funds to sit in an account for a year before they " supposedly '' turn it over to IRS for XXXX! Which to me this is fraud! I asked them to send me the remainder of my earnings and they say they can not because they sent it to IRS. That is a total lie as it is not due to be reported until the end of 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 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARVEST BANK GROUP, INC.
State: KS

Complaint narrative:
I cosigned for a signature line of credit for my husband at the time so he could start up a fishing guide business. He needed my credit to get the loan. When we got divorced the judge ordered him to pay that debt. It has been 5 years and he still has not paid it. It is continuing to hurt my credit and I recently received a 1099-c for this wanting me to claim it as income. The debt was never mine and I have the paperwork for the judge ordering him to pay it. I have submitted it to the bank, but they say I signed it so I would be responsible and it doesn't matter what a judge says. I also tried to contest it to the credit agencies, but that didn't help either.

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 2025-02-10 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: NJ

Complaint narrative:
TransUnion has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes XXXX XXXX. XXXX and XXXX ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected TransUnion to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent XXXX ( XXXX ) additional letters to TransUnion requesting clarification and the methods used to verify the disputed accounts. These letters were dated [ XX/XX/XXXX and XX/XX/XXXX ]. TransUnion failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies TransUnion 's negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address TransUnion 's negligent noncompliance, as per XXXX. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent issue.

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 2025-02-10 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-10 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-10 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: FL

Complaint narrative:
I did file a complaint for the negative items that is on my report that I already settled and escalated to the company. they are still showing it on my report despite the creditor saying they will be removing it! some of the items has been paid but they still want to shpw it from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REMOVE THIS FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I did file a complaint for the negative items that is on my report that I already settled and escalated to the company. they are still showing it on my report despite the creditor saying they will be removing it! some of the items has been paid but they still want to shpw it from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REMOVE THIS FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
the information related to my time living at XXXX XXXX XXXX in XXXX XXXX. In XX/XX/year>, I was residing in a townhouse within this apartment complex when a series of severe issues arose, impacting my health and safety. 

During my time there, my residence was regularly flooded with XXXX, occurring every other day, creating an unbearable living environment. The flooding led to multiple health concerns, including me needing to go to the hospital twice due to slipping in the contaminated area and contracting XXXX. Unfortunately, my pets also contracted XXXX due to the unsanitary conditions. 

After exhausting all efforts to address the issue directly with management, we reached out to code enforcement. When they arrived, they assessed the situation and advised that we leave the property immediately due to the hazardous XXXX  and XXXX smell, which they confirmed posed a significant health risk. At that point, we had no choice but to vacate the property. 

The matter was taken to court, and we were informed that there would be a follow-up hearing in XXXX months ; however, the case was never revisited, and we did not go back to court. Despite this, the apartment complex later sold my information, which may have contributed to the reporting of this matter to the credit agency. 

I hope this explanation provides clarity on the unfortunate situation I faced during my time at XXXX XXXX XXXX. I am actively working to resolve any discrepancies and maintain a positive credit record moving forward.

Company response to consumer: Closed with explanation