vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America abruptly closed the business account of XXXX XXXX, operating as XXXX XXXX XXXX XXXX, and is holding the funds in the account, claiming that the account is " in the process of closing '' and will remain so until XX/XX/XXXX2025. Additionally, Bank of America closed a personal savings account belonging to XXXX XXXX, which is entirely unrelated to the business account. These actions were taken without prior notice or explanation, causing financial harm and disruption to both parties. 

XXXX XXXX 's business account was closed without prior notice, and the funds in the account are being held by Bank of America. The bank has stated that the account will remain in the process of closing until XX/XX/XXXX 2025. 
Closure of Personal Account : XXXX XXXX 's personal savings account, which has no connection to the business account, was also closed without explanation. 

Bank of America did not provide adequate notice or a valid reason for the closures, leaving the parties unable to access their funds. 

Violations : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Under the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 et seq. ), financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices in connection with consumer financial products or services. Bank of America 's actions in closing the accounts without notice or justification may constitute such violations.

Failure to Act with Reasonable Care : By abruptly closing the accounts and retaining the funds without providing an explanation, Bank of America may have breached its duty to act with reasonable care, as suggested by similar cases like Doe v. Bank of Am. Corp., where the court examined the bank 's obligations in account closures. 

Financial Harm : XXXX XXXX has been unable to access its business funds, disrupting its operations. XXXX XXXX has been deprived of access to his personal savings, causing financial and emotional distress. 

Reputational Damage : The unexplained closures may harm the plaintiffs ' reputations, particularly if third parties speculate about the reasons for the closures. 

Bank of America 's actions appear to violate federal consumer financial laws warranting legal action to recover the funds and address the harm caused.

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 2025-03-27 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payments on an account that I was in fact paid on time. the consumer reporting agencies have need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit 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 non-monetary relief
Consumer complaint received 2025-03-27 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: WA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: AL

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Card Acquisitions Group
State: CA

Complaint narrative:
The original creditor sold the account to a third party and then the third party has hired an outside company that is calling everyone i know including employer over and over again. I have blocked numbers and they continue after being blocked and being asked to stop. I requested contact info and only direxct communication in writing with me to prevent this unlawful harrasent. I am very stressed and having a XXXX XXXX in tears while I write this I have contacted a lawyer. I want them to leave me alone. They never even directly contacted me to work on this before harassment and now I am not feeling comfortable talking to them.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-27 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-03-27 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: GA

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND 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 2025-03-27 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Block, Inc.
State: OH

Complaint narrative:
I have tried to reach out to cashapp customer service multiple times regarding situations with my account. However, there is no customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CT

Complaint narrative:
Good afternoon, XXXXXXXX XXXX XXXX issue. I made payment prior to my minimum payment being due on XX/XX/XXXX. Was away on vacation and had bad internet service, but got confirmation number and thought all was fine. Once I returned, a few days after my due date of the XXXX, I logged in to check my account and saw my payment had not posted. Thinking nothing of it I paid the entire balance again on XX/XX/XXXX. Then in XXXX I noticed my credit score dropped over XXXX points and when I investigated I found it was from XXXX  reporting me as late. I tried to dispute with them, and I tried to dispute with the experian credit reporting agency. I have had that account since XXXX and have NEVER been late. There must have been some type of computer error going on. I'm not a computer guy, but I rectified the situation right away and paid my entire balance. Also, XXXX NEVER contacted me to say I missed any payment at all. No email, no letter, nothing. The only email I got was a " statement '' email that simply indicated that I had a payment due, and the amount of the payment. No where in that email did it say I was late, or missed a payment, or anything. They have my email and phone number on file and I pay online all the time. I don't feel it's fair for my report to suffer due to some sort of error on their part. I have since turned on automatic payments again, which I thought was on already. I have plenty of credit accounts, and if you look at my report I've never missed a payment. Please help me get this resolved and my credit back into good standing where it deserves to be. I attached a screenshot of a picture I found confirming the payment. I hope this helps. I'm looking to refinance my house and need my credit into good standing where it should be. Not to mention as well, my email statements specifically say I'm " signed up for XXXX only ''. So I do not understand why, since there was an error in the payment, why I was never notified by email or by phone that a payment had been missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: CT

Complaint narrative:
Good afternoon, XXXXXXXX XXXX XXXX issue. I made payment prior to my minimum payment being due on XX/XX/XXXX. Was away on vacation and had bad internet service, but got confirmation number and thought all was fine. Once I returned, a few days after my due date of the XXXX, I logged in to check my account and saw my payment had not posted. Thinking nothing of it I paid the entire balance again on XX/XX/XXXX. Then in XXXX I noticed my credit score dropped over XXXX points and when I investigated I found it was from XXXX  reporting me as late. I tried to dispute with them, and I tried to dispute with the experian credit reporting agency. I have had that account since XXXX and have NEVER been late. There must have been some type of computer error going on. I'm not a computer guy, but I rectified the situation right away and paid my entire balance. Also, XXXX NEVER contacted me to say I missed any payment at all. No email, no letter, nothing. The only email I got was a " statement '' email that simply indicated that I had a payment due, and the amount of the payment. No where in that email did it say I was late, or missed a payment, or anything. They have my email and phone number on file and I pay online all the time. I don't feel it's fair for my report to suffer due to some sort of error on their part. I have since turned on automatic payments again, which I thought was on already. I have plenty of credit accounts, and if you look at my report I've never missed a payment. Please help me get this resolved and my credit back into good standing where it deserves to be. I attached a screenshot of a picture I found confirming the payment. I hope this helps. I'm looking to refinance my house and need my credit into good standing where it should be. Not to mention as well, my email statements specifically say I'm " signed up for XXXX only ''. So I do not understand why, since there was an error in the payment, why I was never notified by email or by phone that a payment had been missed.

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 2025-03-27 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN THE DATA BREACH. I CHECKED MY CREDIT REPORT AND NOTICED ADDRESSES BEING REPORTED IN WHICH I NEVER RESIDED. I CONTACTED THE FRAUD DEPTARTMENT AND WAS ADVISED THESE INACCURATE ADDRESSES WOULD BE REMOVED. I FOLLOWED UP WITH LETTERS SENT CERTIFIED MAIL REQUESTING THIS INFORMATION BE REMOVED.

CONTINOUING TO REPORT THIS INACCURATION INFORMATION IS IN VIOLATION OF 15 USC 1681B, I HAVE NOT GIVEN PERMISSION FOR THIS TO BE REPORT. ALSO IN VIOLATION OF 15 USC 1681 EB, AND 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MA

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 2025-03-27 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: MA

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 2025-03-27 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
To whom it may concern Goldman Sachs bank USA ( the Bank ) responded to complaint XXXX with information that was not in question/concern referencing Dates XX/XX/XXXX ( customer agreement ) and XX/XX/XXXX ( minimum payment was not met ), which was never in question but in fact, in the response THE BANK did confirm they received documentation on XX/XX/XXXX that I/customer had filed XXXX XXXX  bankruptcy. Only dates and information that needs to be addressed for inaccurate credit reporting and bankruptcy violations by THE BANK was/is after XX/XX/XXXX, when the bank was notified of the customer Bankruptcy filing ( whats in question ) as of XXXX XXXX I receive yet another notification, that Goldman Sachs bank USA ( THE BANK ) flagged account as 60 days pass due on XX/XX/XXXX With all three major credit reporting agencies XXXX, XXXX, and XXXX, which couldn't possibly be accurate based on THE BANK 'S own admission of knowing XXXX XXXX bankruptcy, was filed on XX/XX/XXXX, which would have prohibited any further credit reporting and any debt collection efforts after XX/XX/XXXX not only has THE BANK violated 15 USC sub section 1681-2 ( FCRA prohibits information furnitures from providing information to a CRA that they know or have reasonable cause to believe is inaccurate ) THE BANK also has violated the XXXX XXXX  BANKRUPTCY procedure Which was discharged by the federal court on XXXX XXXX that relived I/customer of any financial obligation but THE BANK continues to report late payment on discharged account. Please explain what LEGAL RIGHTS THE BANK has to continue to report negative payment history knowing this account was included in XXXX  XXXX bankruptcy as of XX/XX/XXXX of XXXX. And when I/ customer disputed inaccurate information with the credit reporting agencies, for XX/XX/XXXX & XX/XX/XXXX credit reporting THE BANK certified after conducting a investigation the information is reporting accurate and no errors had occurred by THE BANK. When in fact many errors had and continue to occur at this point I have reached out to consumer attorney XXXX, XXXX, XXXX, XXXX XXXX and my case, is currently under review. I have filed 2 disputes with the credit reporting agency and one complaint with the CFPB providing supporting documentation of errors that continue to occur, but for some unknown reason. During THE BANKS investigation, there have been tremendous oversights at this point legal assistance is necessary for I/ customer. 

I HAVE ATTACHED LATEST UPDATE REPORT ON XXXX XXXX

Company response to consumer: Closed with explanation