vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: WI

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, and Equifaxs inaction violates federal law and my rights as a consumer. I would also like to consider trans union as I believe they have followed suit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: WI

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, and Equifaxs inaction violates federal law and my rights as a consumer. I would also like to consider trans union as I believe they have followed suit

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 2025-03-08 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: IL

Complaint narrative:
I hope this message finds you well. Im writing to formally dispute an incorrect entry on my credit report. Upon reviewing the report, I noticed that there is inaccurate information that doesnt reflect my financial history, and Im requesting an immediate investigation into this matter.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX,, XXXX my banks customer service number and got a fraud Bank phone number . Called XXXX to Regions bank customer service number. They ask for ss number and banking pin. I gave it to them.. fraud Bank phone number.. The real Bank phone number is very very similar.. XXXX XXXX is correct number to regions customer service. They have my ss # and banking pin!!

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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There are two checking accounts. One is a joint account with my spouse and the second account is an individual account. The individual account was opened approximately one month ago to keep records clear and for tax reasons. It was opened as an individual account for efficiency reasons due to both myself and spouse working full time. On XXXX at XXXX a check in the amount of {$160000.00} written to XXXX XXXX XXXX myself and XXXX XXXX was deposited into the individual account with Bank of America after properly being endorsed by all parties. Bank manager refused to deposit into individual account and deposited into joint account. Since the check was drafted from another Bank of America account the check 's fund were to be available the next day. At XXXX, on Friday I called Bank of America to ask about the policies and procedures that precluded a properly endorsed check from being deposited as requested by the bearer of the check. No explanation was provided so I asked for a complaint to be filed so I could get a proper response. I wanted to avoid future deposit difficulties. At XXXX XXXX  Bank of America placed the funds on hold and indicated these were not to be available until XXXX. My online banking indicates that the funds were deposited and subsequently withdrawn without my authority. On information and belief, the hold was placed as retaliatory due to my request for policies and procedures and an explanation for the aforementioned practice of not allowing a properly endorsed check to be deposited into my individual account. The drafter of the check is from Bank of America and not from another banking institution. This is the second check in the last couple of weeks that was drafted from the same entity to the same individuals with the previous check not been placed on hold ( approximate amount of check is {$80000.00} ). 
I have four questions : 1 ) Bank 's practice of restricting a properly endorsed check to be deposited to individual account and into a joint account when the funds can be simply withdrawn the following day and move from account to account ; 2 ) Bank 's practice allowing funds to be deposited and subsequently withdrawn without my consent ; 3 ) Bank 's practice of not having a complaint center that can properly handle consumer 's complaints that subsequently result in retaliation against consumer ( ie step no.2 ) ; and 4 ) Bank 's authority to hold my funds, utilize these funds ( since the check came from/to Bank of America ) to the detriment of a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-08 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: OH

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. 

U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX U S DEPT OF ED/GSL/ATL : XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX I looked at my experian credit report on XXXX XXXX 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 reporting it shall follow reasonable procedures to assure maximum possible accuracy of the of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete 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.

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

15 U.S.C 1681 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 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 the 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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I have been using Robinhood Cypto as an exchange to purchase bitcoin on their platform. After a month of doing this, I elected to send my bitcoin to a my own personal digital wallet. This is considered a safer means of storage as it removes the possibility of the exchange platform being hacked and having their cryptocurrency stolen ; my own personal wallet is offline so much more secure. Robinhood has a restriction of limiting crypto transfers to {$5000.00} worth per 24 hours. I did this without issue for two days. On the third day, I received an account restriction and was unable to send bitcoin out of Robinhood. At first, this felt like a safety precaution which I appreciated. I immediately contacted Robinhood via support chat and telephone but was declined assistance and told this matter would be " escalated '' via email only. When I reach out over email, I get an automated reply. No timeline has been given for resolution of this restriction nor any steps on what is needed to be done. It has been over a week with no contact. I called again today and they declined to help and said it would be handled over email. I don't know what to do because my money is now stuck in the brokerage platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
After being approved for a Capital one credit card i STILL can't update my phone number or address even after submitting what capital one said i had to in order to update phone number and address, pictures of my drivers license, social security card, selfie and current utility bill. Even though every time I submit and told have to wait up to 30 days to be reviewed only to be told something new to submit. Even though i've submitted all these things 4-5 times already but keep being told " sorry please resubmit ''! Why isn't the last 4 or 5 times enough?! Plus after submitting all these items told it takes up to 30 days to review!!! Its been well over 3 months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
We are asking for assistance with this account. We took the {$1600.00} loan for car repairs and the first payment was on XX/XX/year>. The payments are {$96.00} and bi-weekly. So far 13 payments have been made for a total of {$1200.00}. We were finally was able to log into the EasyPay account and because of interest the balance still owed is {$1500.00}. I know the interest rate was high but had thought there was a grace period to pay it off. Apparently weve missed that grace period. I had to take out this loan for car repairs. We work full time and our daughter was recently diagnosed with XXXX XXXX XXXX so most of my money goes toward medical care and supplies. The car repairs were needed to get to and from appointments. Im sick over the fact that Ive paid {$1200.00} toward this loan and almost all of that has went to interest. Im please begging you to reach some kind of settlement with us and well pay this off immediately. If theres anyway more of the payments could be applied to the principal. We can make a settlement towards this account but am begging to please apply more of what was paid to the principal. I just cant believe a company can charge this much in interest, how is there not a cap. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NV

Complaint narrative:
in XX/XX/XXXXXXXX  I have had a to watch the loan via. the online portal because the statements for payment would come just days before payment due date, I have taken screenshots with my phone to document payment due with XXXX due in 20 days then the amount due would show up 19 days before due date or less, always on to of it and never late. they would apply the payment just before its late. 
this gone on for the past 7 months, have spoke to them on phone with no help, this last XX/XX/XXXX they stated they never received my check that was sent from my banking institution, so I had to go to my bank to cancel the lost check and sent another. yesterday they should have received the check XXXX XX/XX/XXXX, when I called they stated they still have not received it? the payment is in the 15 day grace time frame. the said my account is all up-to-date otherwise, the statement for the XX/XX/XXXX for example was received by me in the mail 5 days before the due date XX/XX/XXXX, XXXX but they should have received the check on XX/XX/XXXX according to my bank. that is the one the say they never got.. 
I am requesting them fix the issue but they have been on help.. 
from XXXX to present the account seems to have lots of discrepancy please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I learned on XX/XX/year>XXXX  from alert I received from one of my responder about my credit being affected. I immediately went in to check my account and that's when I noticed that a company reported me to the credit bureau about serious derogatory account. The company I noticed that was and it on my credit report is as followed : Credence Resource Mana ; There address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
I don't know who this company is and never heard about them nor have I done any business with them. Base on what they reported make me assumed that they're a collection agency because they claimed that the amount is {$75.00}. This is wrong and wants to be remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally report a delay in the investigation of inaccuracies on my credit report, which I initiated on XX/XX/year>. As of today, the 30-day investigation period required by the Fair Credit Reporting Act ( FCRA ) has passed, and the investigation has not been completed within the legally mandated timeframe. 

I initially requested an investigation into the following issues on my credit report : Inaccurate information regarding and Outdated or inconsistent reporting that does not align with the timelines specified under the Fair Credit Reporting Act ( FCRA ). 

Creditor agreed to remove from report with payoff, balance is {$0.00}. In addition, the item is reporting with inconsistencies amongst bureaus. 
XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : XXXX Experian : XXXX Transunion : XXXX The following information is outdated... 
XXXX XXXX XXXX Equifax : Experian : XXXX Transunion XXXX XXXX Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to complete investigations of disputed information within 30 days of receiving a dispute. As this deadline has passed without resolution, I am requesting your assistance in ensuring that the credit reporting agencies adhere to their legal obligations and that the inaccurate, outdated, or inconsistent information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
Say I owe a apartment debt the social dont match my socials so they have to remove it from my credit report due to incorrect information

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 2025-03-08 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: NJ

Complaint narrative:
Date : XX/XX/2025 Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of the recent data breach and to formally request that all accounts linked to my name, as outlined in your records, be blocked and deleted in accordance with 15 USC 1681c-2 ( a ).

As per the provisions of this law, I am requesting that you take immediate action to block and delete any and all accounts that were exposed during the breach, as well as any other related information that is now compromised. This includes, but is not limited to, any fraudulent accounts or personal data that may have been misused as a result of the breach. 
Please confirm in writing that these actions have been taken and provide me with any relevant documentation. If further verification or identification is required to process my request, kindly inform me of the necessary steps. 
Thank you for your prompt attention to this matter. I trust that you will act swiftly to protect my rights under the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Date : XX/XX/2025 Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of the recent data breach and to formally request that all accounts linked to my name, as outlined in your records, be blocked and deleted in accordance with 15 USC 1681c-2 ( a ).

As per the provisions of this law, I am requesting that you take immediate action to block and delete any and all accounts that were exposed during the breach, as well as any other related information that is now compromised. This includes, but is not limited to, any fraudulent accounts or personal data that may have been misused as a result of the breach. 
Please confirm in writing that these actions have been taken and provide me with any relevant documentation. If further verification or identification is required to process my request, kindly inform me of the necessary steps. 
Thank you for your prompt attention to this matter. I trust that you will act swiftly to protect my rights under the Fair Credit Reporting Act. 
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