vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I had requested an increase in my credit card account with Bank of America. My account representative at Bank of America recommended that the only option was that I open a new credit card where I'd get a credit line and then she'd merge it with the existing card and then I can have a combined credit line on one card. I agreed to it. Towards the end of XX/XX/XXXX, she called me on the phone with the credit card team where they opened the card on the call. I was also informed for the first time that it would be my old card would be closed. I received a {$25000.00} increase to my existing {$100000.00} credit line for a total of {$120000.00}. Down the road I realized that although they transferred my credit limit, they didn't transfer my rewards points of around {$40000.00}. 

I escalated this to my account manager who was horrified with what had happened. Rewards were a key part of why she had recommended and opened the original credit card account in the first place. She promised to escalate and help me get the points but eventually on XX/XX/XXXX she called me with her manager on the line and said the points had expired and they couldn't do anything about it. And that I had been read the appropriate disclosures on the call when they opened the new card and closed the old card. 

If I had opened and closed this account on my own, I would be willing to take this as a loss. However, I completely depended on the account managers advice and did as she recommended over several years of the relationship. I have earned those reward points and I'd like Bank of American to reinstate them to me.

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 2025-03-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-13 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae calls 3-5 times per day, 7 days/week when payment is < 7 days late and even when payment arrangements have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, the before mentioned credit bureaus consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1682, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instruction or permission.

15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2025-03-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on a few an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have filed a dispute directly with the bureaus and they ignored my attempt to rectify the matter and updated the account instead. I have never been late on DPT EDXXXX account number XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I kindly request these payments be promptly updated to reflect their true status as on-time and never late.

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 2025-03-13 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding an unauthorized action involving XXXX XXXX and XXXX. It has come to my attention that they accessed student loan information without borrowers consent, violating federal privacy and financial protection laws. 

This unauthorized access may constitute violations of the following : XXXX XXXX ( XXXX  ) ( XXXX XXXX. XXXX ) Protects consumers financial privacy and requires institutions to safeguard sensitive financial information. 
Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) Regulates access to consumer credit information and prohibits unauthorized use. 
XXXX XXXX and XXXX XXXX ( XXXX ) ( XXXX XXXX. XXXX ) XXXX  unauthorized access to protected computer systems, including those storing financial data. 
XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Protects student borrowers and prohibits unauthorized interference with federal student loan accounts. 

This breach of privacy and security raises serious concerns regarding data protection, borrower rights, and potential misuse of sensitive financial information. Such actions could lead to financial instability, identity theft, fraudulent activity, or other harmful consequences for affected individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This company reported a debt I am unaware of on my credit, I am trying to claim it and they simply hang up the phone on me. I contact the credit agencies and they tell me they can't do anything.

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 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
On XX/XX/XXXX I was called by USAA with the representative stating someone was using my XXXX account and we needed to lock it. Money was drawn from my account without my authorization. I have put in numerous calls to usaa and provided them with a police report that states the number I was called on was a fraudulent organization

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 2025-03-13 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: VA

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XX/XX/year> there was fraud and credit opened in my name so we froze my account. Experian sent a freeze pin while the other 2 services sent login information and i am able to freeze and unfreeze easily. Experian on the other hand sent a pin which is not useful because I can't login to the account. When i try to login it says the password is incorrect which I know it isn't because I use the same one for each site. When i try to login via phone number it says the phone number is incorrect. When i try to reset the password it says ' Something went wrong ' I tried to call but the AI chatbot sends you on an endless loop and there is no way to talk to someone. It sends you a text message that has the same links the website has for reset password and request access via phone number, both of which don't work. I'm extremely frustrated that I'm unable to speak to someone and my account may be compromised at this point and there's nothing I can do about it. They should at least answer the phone after ive been on the call for 40 minutes trying to get the AI to recognize i need to talk to someone. I tried saying i need to file a dispute, i need other things but nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-13 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: MN

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 2025-03-13 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: MN

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 non-monetary relief
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX, Bal- {$970.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$410.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX, Bal- {$2900.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX, XXXX {$710.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX, Bal- {$470.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, opened : XXXX XXXX, XXXX XXXX - XXXX, Bal- {$710.00}, opened : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX, Bal- {$970.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$410.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX, Bal- {$2900.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX, XXXX {$710.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX, Bal- {$470.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Bal- {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, opened : XXXX XXXX, XXXX XXXX - XXXX, Bal- {$710.00}, opened : XX/XX/XXXXXXXX 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