vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Requester to redeem reward points via checking account amounted to XXXX pay to the order of XXXX XXXX XXXX on XX/XX/XXXX. 
I did not receive the check from Bank of America for a few months since XXXX. I went to the bank to find out why. On XX/XX/XXXX Bank of America representative told me they sent my rewards check to my old address they had on file many years ago ( in the meantime I changed the address to my new address in XXXX ). 
The representative, XXXX XXXX told me they will resend the check and gave me the conformation number XXXX. I never received the check. The Bank of America send me the letter, which I can attach here showing me that someone deposited my check in the XXXX bank. I did not deposit it. I called the Bank of America on XX/XX/XXXX and spoke to the representative, XXXX, and then manager XXXX. They said they will get back to me and gave me another confirmation number XXXX. They told me I would be contacted within XXXX business days. I never heard from Bank of America. This is why I am reaching out to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XX/XX/XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I am a victim of identity theft. I tried to dispute the charges directly through the company before they charged off the balance and sent it to a collections agency, which is now affecting my score and my ability to ever get a loan. I tried to dispute it through portfolio recovery associates but they told me to file the dispute and fill out a report on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XX/XX/XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, 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 non-monetary relief
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XX/XX/XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
Equifax information service LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized Access to My Consumer Report Without Written ConsentReference : 15 U.S.C. 1681b Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute and inquire about an unauthorized access of my consumer report maintained by XXXX. After reviewing my credit report, I noticed one or more inquiries or instances of access for which I never gave written consent.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As defined under 15 U.S. Code 1681b, consumer reporting agencies such as XXXX may only furnish a consumer report under specific, permissible purposes, and in many cases, only with the consumers written authorization. I have not provided such consent to XXXX or to any third party that may have obtained my information through your bureau.

Accordingly, I am requesting the following : 1. A list of the entity or entities that accessed my credit report without my authorization.

2. The specific permissible purpose XXXX relied upon to furnish my information.

3. A copy of any written authorization you claim I provided granting access to my consumer report.

If no valid permissible purpose or written consent exists, I am demanding the immediate removal of any unauthorized inquiries and that you take corrective action as required under the Fair Credit Reporting Act. Continued violation of my rights under the FCRA may lead me to take legal action, including reporting this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please consider this letter a formal dispute and a request for investigation under 15 U.S.C. 1681i. I expect a written response within 30 days as required by federal law.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
A collection account from a company called XXXX XXXX XXXX in the amount of {$3500.00} is being reported on my credit report. I have never had any communication with this company, nor do I recognize the original creditor associated with this debt. I have not received any debt validation notice, and no proof has been provided that this debt belongs to me. 

I am requesting that XXXX XXXX XXXX provide a debt validation letter that includes the following : Documentation that this debt is legally mine. 

A copy of any document with my signature authorizing this debt. 

If the debt was purchased, proof of the chain of ownership from the original creditor to XXXX XXXX XXXX. 

Proof that I had a relationship with the original creditor or owned any account or business with them. 

If they are unable to provide this information, this account must be removed from my credit report as it is unverifiable and potentially erroneous. 

I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ). Failure to validate this debt or continuing to report unverifiable information may result in legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that transunion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
XXXX 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 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My insurance renews in XXXX and for some reason the Shellpoint Mortgage ( the company that bought my original mortgage ) did not receive the declaration pages. I uploaded per their instructions but continued to get letters saying I did not have insurance. I talked with them and sent directly to them and they verified they had the information, and yet I still continued to get notices and they started keeping money in my escrow account. I talked with them a third time to verify my insurance and she verified they had it, verified I did not have to pay escrow and put in a request to stop it. However, they continued collecting escrow. In late XXXX, I called again. The women put in a request to send back my escrow money and fixed my payment. However, a few days ago I checked and they voided sending me back the escrow and the rep said my escrow request was " closed out '' and would not give me a reason. I have now lodged another complaint and request. I have never had money go into an escrow account for the XXXX years I have had this loan and only started having problems after the loan was transferred to Shellpoint. My taxes are up to date and my insurance in paid in full. I have spent hours trying to get this fixed based on their original mistake of not logging my insurance correctly. Attached are copies of my insurance declarations pages and my property assessment showing I am current on taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
To whom it may concern my information was exposed in the Equifax data breach. With this exposure there were serval fraudulent accounts open in my name including bank accounts. I have disputed the item before and an investigation was done with the information coming back as fraudulent and deleted from my credit file .As of XX/XX/year> the creditor requested this item be put back on my credit file. My rights are being violated under XXXX this item should have been removed and blocked. I have contacted each credit agency and the creditor XXXX XXXX XXXX  ) requested a full investigation. This should not be a 30 day dispute it should be a XXXX day investigation under XXXXI have submitted documents through certified mail to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
XXXX, XXXX, and Transunion failed to remove all old addresses and phone numbers, as requested, all inquiries and old accounts and some accounts are not my accounts as I XXXX request as to XXXXXXXX XXXX, 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 2025-04-12 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: FL

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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XX/XX/year> XXXX XXXX. XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: DC

Complaint narrative:
It has come to my attention that my personal and financial information has been compromised, constituting a violation of the Family Educational Rights and Privacy Act ( FERPA ). This breach of confidentiality is a matter of grave concern and has placed me at significant risk. 

In light of this violation, I hereby formally request a full cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had 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 2025-04-12 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: FL

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.The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information Potentially Resulting from Data Breach To Whom It May Concern, I am writing to formally dispute inaccurate information in my Equifax credit report. I suspect this inaccuracy may be related to the data breach Equifax experienced in XXXX, during which my personal information may have been compromised. 

The item ( s ) I am disputing are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX The following inquires is unauthorized and need to be removed immediately : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : This account is not mine and may be the result of identity theft. I did not authorize or open this account. 

I am requesting that Equifax conduct a reinvestigation of this item under the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of supporting documents to aid in your investigation : Please remove or correct the disputed item and provide a written statement of the results of your investigation. I also request that you send a copy of the updated report to anyone who received my report in the past six months ( or two years for employment purposes ). 

I appreciate your prompt attention to this matter. You may contact me at the above address or by phone/email if further information is needed. 

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 2025-04-12 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hello, XXXX XXXX PayPal We're reviewing your case What's happening with your case? 

We're reviewing the case you filed on XX/XX/year> about the item that wasn't as described. 

Case ID XXXX Transaction amount {$990.00} USD Disputed amount {$990.00} USD Transaction date XX/XX/year> Transaction ID XXXX Seller name XXXX XXXX XXXX XXXX These are the items we are disputing. We have been denied thus far. The items we received were NOT " XXXX XXXX '' brand as shown in their advertising. They are not marked anywhere on the packaging or product. We just want free return shipping labels and credit upon receipt of the return. They are boxed and ready to go.

Company response to consumer: Closed with explanation