vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The process of this needs to change. The resolution department of bank of america of which these complaints gets sent to, they are dishonest individuals they do not review these complaints. They let them sit until XXXX days then tell CFPB they reviewing but in fact they just act like they reviewing until Its time to give a response they they just send what the claim department did. 

They are using recon Bot reject population to process disputes that's why my claim isn't getting handled correctly The dispute back office ignores the manager supervisor notes on my claim they continue to denied my claims even with my account being an account take over. Fake identification card on my account. Proof of me living at a different location. 

Bank of america prepaid services own investigation states card XXXX was not received by me they credited funds back to my account except the claim XXXX which shares the same card number Card ending XXXX was confirmed not received by me after bank investigation. Customer rep made an error while filing my claim .they forget transactions causing me to have XXXX claims. Only XXXX transaction got handle. The rest of transactions have not for the last XXXX years I've been try g to get this resolved bank of America back office is using Recon BOT rejection population causing the claim to get rejected automatically. All transactions associated with card XXXX have been credited but not claim ending XXXX I received a letter saying the claim was found in favor. Bank then says ignore the letter

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 2025-03-02 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-03-02 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: CO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Debt Validation and Method of Verification To Whom It May Concern, I am writing to formally request validation of the debts listed below that are currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing the accuracy and completeness of these accounts and demanding a full and detailed method of verification.

Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with the name, address, and telephone number of the entity that provided the information, along with documentation proving that these debts are valid. Furthermore, as part of your investigation under 15 U.S.C. 1681i ( a ) ( 7 ), I demand that you provide the following details regarding each disputed account : 1. The name of the individual ( s ) you spoke with during your investigation 2. The date ( s ) and time ( s ) of the conversations 3. The method used to verify the accuracy of the information 4. Copies of all documentation, agreements, and records used to verify the debts The accounts in question are as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Numbers : XXXX ( 4 different accounts ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Numbers : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX If you can not provide a full and complete method of verification, including all details requested above, you must immediately delete these accounts from my credit file per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply with this request will result in legal action against you for violations of the FCRA, including, but not limited to, reporting inaccurate information, failing to conduct a reasonable reinvestigation, and failing to provide the method of verification. I expect a written response within the required 30-day period as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

This letter serves as formal notice that I am documenting all violations and will pursue all available legal remedies if my rights are not upheld. 

Sincerely, 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 2025-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2025-03-02 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
XX/XX/year> {$5500.00}. 
About 10 days ago, our Realtor said we would be getting about {$6700.00} back at closing. Instead, we owed over {$700.00} at closing. While we did apparently have another months payment added to payoff amount, our mortgage was less than {$2000.00}. So, where did the other {$5500.00}?

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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax and Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: SC

Complaint narrative:
I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies.

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure.

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least 5 Years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 7 Days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies.

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure.

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least 5 Years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 7 Days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.

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 2025-03-02 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-02 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I for years have had a XXXX  charge off tied to my credit which has negatively impacted my credit and ability to get loans. The charge off has an address of XXXX MA in which I never lived or received notice of this due to it being in XXXX and I live in XXXX. I am requesting this charge off which I have tried to get removed on multiple occasions and they just say its verified and the XXXX XXXX XXXX in Massachusetts removed as well. This is in direct violation of my consumer rights and will seek legal action if not removed

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 2025-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I for years have had a XXXX  charge off tied to my credit which has negatively impacted my credit and ability to get loans. The charge off has an address of XXXX MA in which I never lived or received notice of this due to it being in XXXX and I live in XXXX. I am requesting this charge off which I have tried to get removed on multiple occasions and they just say its verified and the XXXX XXXX XXXX in Massachusetts removed as well. This is in direct violation of my consumer rights and will seek legal action if not removed

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 2025-03-02 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: CT

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft. I have discovered that accounts have been opened in my name without my consent, and I want them removed from my credit history. The accounts are as follows : XXXX XXXX XXXX Last reported XX/XX/2025 {$770.00} Open balance XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : TransUnion XXXX Experian 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 2025-03-02 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-02 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I would like this off my credit its over 2 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IN

Complaint narrative:
XXXX XXXX Inquiry : XXXX XXXX, 2025 Needs to be removed from my credit report immediately I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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