vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a mistakeI am formally addressing the false and inaccurate information on my credit report that is unfairly impacting my financial standing. These errors have caused unnecessary stress, frustration, and harm, and despite my efforts to correct them, they remain unresolved. Additionally, banking and reporting errors are further damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to report payments and credits accurately, yet I have identified multiple issues. Some payments I made were not properly recorded, and there are clear miscalculations in the reported balances. Furthermore, I was not provided with the required 21-day notice before a payment was due, rendering any late payment marks invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MO

Complaint narrative:
On XX/XX/year>, I sent Experian a certified mail letter disputing the completeness and accuracy of the following information related to accounts on my consumer report. I have attached supporting documents to back this up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
I did not agree to renew my XXXX XXXX XXXX in XXXX or XXXX. However, the insurance company automatically renewed it for XXXX months without my consent and is now trying to collect payment through a collection agency. 
I never received proper notice or gave authorization for this renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I called and spoke with representatives on XX/XX/XXXX, and asked for a forward flow agreement, a chain of assignment and I asked for the USC 19 TITLE of any reporting medical to FCRA after XX/XX/XXXX, not to be reported and removed to credit bureaus. 

XXXX & XXXX XXXX XXXX reported XX/XX/XXXX {$1200.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX. XXXX XXXX Last reported XX/XX/XXXX {$92.00} Open balance Original creditor : XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 5 yrs, 9 mos ) XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$170.00} Open balance Original creditor : XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX. KANSAS XXXX XXXX Last reported XX/XX/XXXX {$360.00} Open balance Original creditor : XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX, Last reported XX/XX/XXXX {$190.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$550.00} Open balance Original creditor : XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX {$2700.00} Open balance Original creditor : XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: 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. 

Equifax XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, DOE XXXX : # XXXX, DOE XXXX : # XXXX, DOE XXXX : # XXXX, DOE XXXX : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC for the following accounts ACCOUNT - XXXX {$1200.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$1200.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$1200.00} Pay Status >Collection< Action from myselft : I attempted to dispute this but they denied my dispute and said that it was accurate which is FALSE. I DID NOT OPEN THIS ACCOUNT Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< ACCOUNT XXXX {$1100.00} Account Information Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$1100.00} Original Creditor XXXX XXXX XXXX Past Due {$1100.00} Pay Status >Collection< Action from myselft : I attempted to dispute this but they denied my dispute and said that it was accurate which is FALSE. I DID NOT OPEN THIS ACCOUNT Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< ACCOUNT XXXX Account Information Address C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$2400.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$2400.00} Pay Status >Collection< Action from myselft : I attempted to dispute this but they denied my dispute and said that it was accurate which is FALSE. I DID NOT OPEN THIS ACCOUNT Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I bought furniture from XXXX and at the same time used the XXXX store card with to make the purchase. There was an additional charge for {$1000.00} that they made me pay on a separate credit card. I contacted XXXX ( XXXX party ) warranty company on XX/XX/XXXX and requested cancellation within timeframes for the protection plan {$440.00}. 

Sales Order Number : [ XXXX number printed on your receipt or purchase confirmation ] XXXX Contract ID : [ XXXX Contract ID ] XXXX  Customer Name : [ Name associated with your purchase ] XXXX Be so Purchase Date : [ Initial date of purchase of the furniture ] XX/XX/XXXX Delivery Date : [ Date the furniture was delivered ] XX/XX/XXXX I never received a refund so I sent a few follow up emails and finally on XX/XX/XXXX I was told the warranty was cancelled and refund should be expected but if I had not received it to contact Ashleys XXXX I called XXXX and could not get in touch so I filed the dispute with the credit card company that I made the {$1000.00} payment with since I could not get anyone to help me with my refund at XXXX/Synchrony bank. On XX/XX/XXXX I received an email from XXXX XXXX | Corporate Escalations XXXX XXXX XXXX, XXXX requesting information if I had received a refund on my XXXX account. I responded to her and advised that I cant see them online because there is something wrong with synchronys website it wont let you view the pdf and they charge for paper statements. I asked her to check for the credit and provide a statement but never heard back. 

Today XX/XX/XXXX I received a harassing email from XXXX XXXX XXXX XXXX XXXX Collections XXXX. XXXX Accounts Receivable XXXX telling me I have to pay them {$440.00} over the phone with my checking account or to go into the XXXX store to process a new transaction for that amount to pay back the double credit. 

My furniture was purchased on a XXXX percent interest plan. This was a billing dispute that they were far past deadlines on according to XXXX XXXX I also think it XXXX be an issue with XXXX  to try and get me to charge a new line item on my XXXX  account for a disputed amount for cancellation of warranty that was found in my favor and credited but they messed up and didnt do their due diligence to make sure they didnt over pay. Ashleys should be required to rebill the same XXXX  account for the {$440.00} that they over credited in error. This is their dispute error they are outside timeframes for the initial refund in the first place thats why I had to dispute my self. 

This is causing unfair treatment and harassment by collections for a billing error made by XXXX company. This is a violation of my rights and 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint against Bank of America regarding an inaccurate credit card debt of {$6800.00} on my credit report. I have disputed this three times, yet Bank of America continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent inquiry that appears on my credit report. I recently reviewed my credit report and noticed an fraudulent inquiry. Inquiry name and date is Inquiry to remove XXXX XXXX XX/XX/year>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 2025-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: UT

Complaint narrative:
A downed powerpole burned my barn and shop to the ground XX/XX/year>. The insurance company only paid out 20 % of my home value, money of which I had to send to the company holding my mortgage, PNC bank. Since that time, they gave me a payout of {$61000.00} of which I used to demo all the contents inside the building wood frames roofing etc, and paid a company to take out the old foundation as it was damaged beyond repair. I also paid an XXXX to prepare the next building. During that time, I had a few contractors give me bids to rebuild the new building, of which is going to cost me over {$700000.00} to build exactly what was there. Unfortunately, I have to sue the power company as they only want to give {$200000.00} to build the barn back. That would be a total of {$380000.00} going towards a {$700000.00} barn. In the meantime, I am trying to start the building process and the bank will not give me the {$100000.00} to start the foundation work stating they want it 25 % complete before they will give it to me. For some reason they think {$60000.00} will put a 25 % dent in a {$700000.00} barn. I need the money to get started on my barn and I have been fighting with them for over XXXX months. My home is worth {$1.00} XXXX XXXX  without the barn and I only owe {$460000.00}. I do not feel it is ethical that they hold that {$100000.00} while I am trying to finish something that burned to the ground, all the while I do not have a barn anymore to cover my tractors, hay and small farm equipment. Please help me get my money.. 

I have done everything they requested and they keep denying me. It is bad enough I have to fight the power company, why do I have to fight the bank as well!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with XXXX XX/XX/year>2024 and was suppose to receive a {$100.00} gift card by speaking to a banker regarding my finances, XXXX XXXX. I called at least XXXX times about not receiving a promised gift card and was told they are working on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( XXXX  ) are upheld.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: 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 XXXX XXXX XXXX. 

Experian XXXX XXXX : # XXXX, I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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