vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
# # # * * Key Red Flags in my Documents * * 1. * * Shadow Account Indicators * * - I have * * two different prepaid card account numbers * * ( ending in XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ), both issued by Bank of America for California XXXX benefits. 
- The emails show BoFA sent onboarding/dispute reminders for both accounts, but theres no clarity on why two accounts exist.

- * * Why this matters * * : Suggests possible mismanagement or unauthorized account activity.

2. * * BoFA Blocking Dispute Communications * * - my emails to BoFA dispute addresses ( * * XXXX * *, * * XXXX * * ) bounced back as " undeliverable '' ( violating Regulation E, which requires banks to provide valid dispute channels ).

- * * Why this matters * * : Shows BoFA may have systematically hindered your ability to dispute transactions.

3. * * Lack of Resolution for XXXX  Dispute * * - my XX/XX/XXXX email references a * * {$3000.00} erroneous auto transaction from XX/XX/year> * * that was never resolved. 
- * * Why this matters * * : Demonstrates a multi-year pattern of BoFA ignoring valid disputes. 

-- - * Lack of Resolution for XXXX  Dispute * * - my XX/XX/XXXX email references a * * {$3000.00} erroneous auto transaction from XX/XX/year> * * that was never resolved. 
- * * Why this matters * * : Demonstrates a multi-year pattern of BoFA ignoring valid disputes.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the reinstatement of my accounts which was recently removed or deactivated. 
I do not why these accounts of mine have been removed without my consent. I value the services provided by your platform and would greatly appreciate the opportunity to continue using the account. Please let me know if there are any actions required on my part or documents I must provide to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX initiated a transfer of XXXX XXXX  to my bank account at USAA. USAA uses XXXX XXXX XXXX XXXX XXXX XXXX as an intermediary bank for international wire transfers. The money made it to the intermediary bank but has not arrived to my USAA account. XXXX XXXX XXXX  has issued a trace and has attempted to get information from the XXXX XXXX XXXX XXXX XXXXXXXX on 11 separate occasions, and they have been given no information. We have confirmed that the information provided is correct and complete. USAA refused to issue a trace on the transfer and also refused to communicate with XXXX. The XXXX also refused to give me information on the transfer and refused to issue a trace from my side, claiming only the XXXX XXXX can request a trace, ey they also have failed at providing any information regarding the trace that was filed. I have made a formal complaint with USAA # XXXX and requested an escalation, but they refuse to follow up. I have all the confirmation receipts, yet both banks still are unwilling to do anything to find my money after 1.5 months.

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 2025-07-03 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
Disputed unrecognized accounts but still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Upstart Holdings, Inc.
State: NC

Complaint narrative:
Disputed unrecognized accounts but still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring oaks, XXXX XXXX refused the information that I requested and deleted the account trade line, they state it on you to supply the requested information complete copy of forward flow agreement, bill of sale contract, complete chain of assignment copy of securitization, insurance claim of duty, name of trustee used on this account I request this information that under the law I can request. I will contact the IRS to see if this account has been monetized respond through the CFPB with all information in detail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I took out a {$640.00} loan from XXXX XXXX XXXX and have already repaid {$1000.00} through six automatic payments of {$160.00} each. I contacted the company to request that my account be marked as Paid in Full or to receive a fair settlement based on the overpayment. 

Instead of addressing my request, they offered an unfair settlement of {$300.00} and later claimed the remaining principal was {$520.00}, which is inaccurate and contradicts the original loan amount. I sent proof of all payments and reiterated my request in writing, but they failed to provide a reasonable or accurate response. 

Their actions reflect a lack of transparency and unwillingness to resolve the matter fairly. I am requesting that my account be marked as Paid in Full and that they cease all further collection activity. 

I have documentation and screenshots showing the original loan terms, payment schedule, total payments made, and all communications. I am happy to provide these upon request or via follow-up email.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
In XXXX, I submitted a written request to Columbia Debt Recovery LLC ( dba Genesis ) via email asking for validation of a collection account they were reporting. I never received a response, nor did they provide any documentation verifying the debt. 

On XX/XX/XXXX, XXXX  deleted the account from my credit report after completing their reinvestigation. I contacted XXXX, and they confirmed the deletion was due to the debt not being verified, not because of any time-based removal. 

Last month, I also spoke by phone with a Columbia Debt Recovery representative shortly after the XXXX  deletion. When I told them that XXXX  removed the account because they could not verify it, the representative falsely claimed that the deletion was a mistake and even said the account would reappear on XXXX  the next month. 

On XX/XX/XXXX, I sent another written request to Columbia Debt Recovery asking again for debt validation, including a signed lease, billing breakdown, and proof of their right to collect the debt. I have not received a response. 

Despite this, Columbia Debt Recovery continues to report the collection to XXXX, even though they have failed to verify the debt and have provided no documentation. Their continued reporting is misleading and has negatively impacted my credit, including contributing to a housing denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline I am requesting the description of reinvestigation procedure according to 15 USC 1692g states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
Upon reviewing my XXXX XXXX, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received a payment through XXXX from a client, XXXX XXXX XXXX, for a professional service I provided. The service was fully delivered as agreed. 

However, she filed a false claim with the bank, stating she did not receive the service. As a result, Truist froze my XXXX service and opened an investigation, which is -again- completely FALSE, and I have all the proof. Truist made a decision in which they never even asked me or requested information from me. 

I visited a Truist branch on XX/XX/XXXX and XXXX XXXX, and confirmed my identity. The banker called the investigation department, and they told me the investigation would conclude by XX/XX/year>, but no resolution was communicated to me. 
They said that they can't do anything and never asked ANYTHING FROM ME This situation is harming my business, my finances, and my reputation. I provided proof of the service, including written communication with the client, evidence of delivery, and confirmation of the payment received. 

I am requesting that Truist restores my XXXX service and properly investigates the false claim made by the client, instead of penalizing me without sufficient reason. 

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
My Google Payments account was suspended without clear explanation. I contacted Google Support several times. They escalated the issue to the specialist team and told me to wait XXXX hours. Then, they extended the timeline to a week. It has now been much longer, and I have received no resolution. 
I asked what specific information was missing or required, but I was told that no documents were needed from me. Still, the account remains under review with no further communication. 
I need my account to be restored or receive a clear final decision from Google. This delay is causing inconvenience and lack of transparency.

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 2025-07-03 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: VT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Ive been trying to close my checking, savings and credit card accounts with PNC Bank and its been a journey, I have tried for over a month now, I have been charged twice account fees in both credit and checking accounts totaling {$20.00} dollars. I have chatted 3 times now trying to close and they always come with an excuse. I want to close all my accounts with the bank and want my secured deposit from my credit card which is for {$500.00} plus the {$20.00} charged in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and XXXX  data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT. 
tick box

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I submitted a dispute to Axos Bank regarding an unauthorized or erroneous transaction on my account. Under Regulation E of the Electronic Fund Transfer Act ( 12 CFR 1005.11 ), Axos Bank is required to either resolve the issue within 10 business days or issue a provisional credit for the disputed amount while continuing the investigation ( up to 45 days in total ). 

As of today, more than XXXX business days have passed, and Axos Bank has neither issued a provisional credit nor resolved the dispute. I have reached out multiple times, but the issue remains unresolved, and no funds have been temporarily restored to my account as required. 

This failure to follow Regulation E procedures is not only noncompliant but has also caused financial hardship and inconvenience, as I have been left without access to funds I am entitled to during the investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I contacted Uprova in writing multiple times requesting a full loan breakdown, confirmation of my ACH revocation, and a hardship-based settlement or Paid in Full review. Despite these clear written requests, Uprova refused to respond appropriately in writing and instead pressured me with repeated phone calls to refinance the loan. 

Due to that refinance, my loan amount increased to {$1400.00}. I have since paid over {$1700.00} and asked for a fair resolution, yet Uprova failed to provide any written loan breakdown or acknowledge my settlement or Paid in Full requests. 

They confirmed my ACH revocation but ignored all other written concerns and warned of default without offering any assistance. This refusal to communicate transparently or provide documentation has forced me to escalate this matter through the CFPB.

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 2025-07-03 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: IL

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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