vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Two days ago I logged into my bank account ( Bank of America ) and saw that I had an overdraft of XXXX. It doesn't make sense, because there was nothing that had to be collected or that I owed, because I had already paid the things that I was supposed to pay. I called the bank, told them the situation and they told me that the overdraft occurred because of a payment I made that was charged later when I had no money in the account, nothing the bank said makes sense because that supposed payment that they say occurred does not appear anywhere, not in my account statements or anywhere else, there is no proof of what they are saying since all the payments I made on Friday, XX/XX/XXXX were charged that same day and not later, after that I put money back into my account, used it and was left with {$1.00}, so it doesn't make sense for the bank to tell me that something was charged that had already been made effective, basically the bank robbed me, they overdrawn my account by XXXX and they don't want to help me resolve it, because I know perfectly well what I had in my account and what I didn't, and I didn't have any pending payments. I need your help to resolve this injustice, please.

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 2025-02-14 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: FL

Complaint narrative:
I have made several attempts to remove invalid " debts '' and inquiries reported by XXXX XXXX from the reporting agencies and all of the reporting agencies failed to provide the process in which it was " validated '', the contacts they validated it with and the signed contract along with the Purchase Order. They have failed within 30 days and are in violation of the FDCPA.

I have sent a Letter of Intent to File Bank Fraud charges to the CEO, XXXX XXXX XXXX who is in receipt of attached letter on XX/XX/year>. 

If the reporting agencies and CFPB do NOT remove the negative reports, they will be added to the lawsuit for aiding and abetting the crime of fraud and XXXX. These agencies are ruining lives for money and it is coming to a halt. 

Either verify and validate these so called debts or you will be sued in 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 2025-02-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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 2025-02-14 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: CA

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: OK

Complaint narrative:
To Whom It May Concern, XX/XX/XXXX I have been dealing back and forth with Synchrony Bank for one year. It started with a payment I made in XX/XX/XXXX. Synchrony stated they had no records, they said they would do an investigation. But credit me XXXX. They requested proof from my bank, which I submitted once in XXXX with no communication back from them and the second time was in XX/XX/XXXX with a tracking number that I sent proof again ( XXXX ) USPS. I checked XX/XX/XXXX online if it has been resolved, but it still showed a balance of {$69.00}. Fast forward to XXXX, I get an email stating that I owe XXXX even. However, there was a correction made on XX/XX/XXXX, and was supposed balance of {$69.00} was removed. However, for some reason, their online system is not catching up with whatever software Synchrony is using for payments. I have sent this copy of the paperwork to Synchrony Bank and to BBB. If this is not fixed I will pressure further action. I have multiple screenshots from online chats with customer service reps with Synchrony Bank from customer services reps stating the dispute has been taken care of. The card has been closed since early last year, I believe in XXXX. Every time I get online such as today to talk to them via chat they say they will submit a dispute. But nothing has been done since last year. Please help me fix this. I have attached XXXX tracking for when I sent proof along with the screenshots from the chat to Amazon prime Card/Synchrony Bank as well I sent a complaint to BBB the tracking is there also. 

XXXX  XXXX XXXX XXXX : XXXX XXXX Tracking for Synchrony Bank/Amazon Prime Card : XXXX XXXX No communication has been sent from Synchrony regarding all my submitted proof. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/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 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 generallf, 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.

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 2025-02-14 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/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 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 generallf, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Complaint Regarding FCRA and FDCPA Violations by Bank of America I am writing to file a formal complaint against Bank of America for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, Bank of America has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my credit score.

Details of Violations : 1. Re-aging of Accounts Bank of America has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. BANK OF AMERICA ACCOUNT # : XXXX  ( account not listed on Credit File ) a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. BANK OF AMERICA ACCOUNT # : XXXXXXXXXX ( account not listed on Credit File ) -- {$660.00} a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - 11 instances 2. Damage to Credit Score : Due to the repeated re-aging of these accounts, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit.

3. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$21000.00}.

4. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with Bank of America, the accounts continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit.

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.

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 2025-02-14 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: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute the negative items reported on my credit report by TRANSUNION and EXPERIAN.These items have repeatedly been marked as verified without any substantiating documentation being provided to me. Specifically, there are three Charge-Offs that I believe do not belong to me. Despite my many requests, the credit bureaus have not provided any proof that these accounts are indeed mine.

I urge the CFPB to intervene and ensure that these unverified negative items are removed from my credit report immediately, as they are affecting my credit standing. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Credit Bureaus are in violation of section 15usc1681i ( a ) 6 ( b ) 3. This section ensures that consumers have the right to know who provided potentially inaccurate or unverifiable information so they can follow up directly or take further action if necessary. If a credit bureau fails to comply, It is violating the FCRA.

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 2025-02-14 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:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications.

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IA

Complaint narrative:
Discover reported a late payment in XX/XX/XXXX XX/XX/XXXX I have a letter from need discover stating they would update my credit report. As per phone conversation they would update to show never late. I have the letter and the recorded conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX CCB/XXXX  - XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I ran into some financial hardship. I owed Wells Fargo a fair amount of money on a Business Line of Credit that I could not pay {$63000.00} partly due to experiencing 3 Hurricanes in the last two years and being designated a disaster area. In addition to the economy being poor. They agreed to a settlement amount of 60 % of the balance in XX/XX/XXXX. I have a confirmation letter of that in which I had to pull teeth to finally get on XX/XX/XXXX. The settlement offer was for {$38000.00}. I had applied for a debt consolidation loan with another bank - XXXXXXXX XXXX. Though the course of submitting statements and getting an approval to pay several other creditors, XXXXXXXX XXXX paid the entire balance of {$63000.00} by mistake with a cashiers check that was deposited by WF on XX/XX/XXXX, instead of the settlement amount of {$38000.00}. Obviously, I am now requesting the difference of {$25000.00} be refunded. This is now XX/XX/XXXX and I have contacted them numerous times and they continue to give excuses that they need more time to do their research. As of today, XX/XX/XXXX, they again stated they need more time to do their research and that they would contact me by XX/XX/XXXX. This is unacceptable. How long does it take to look at a check that was deposited on XX/XX/XXXX? This is a grade school formula. They received XXXX, they agreed to {$38000.00}, now send me the difference of {$25000.00}. It's that simple, yet they continue to play games and I have had it. It's not right.

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 2025-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
XX/XX/year> Pay net advance transfer XXXX into my account I have never requested anything from pay net advance nor agree to any loan I have send them a email on this matter as well calling them about this they told me that they flag my account and it was a computer error I have contacted my bank alarming them about this situation but my bank still allowed subscribers take from the money that I told them it didn't belong to me I don't know where or why this money is in my account still they are letting subscribers remove money from the this account when it can be my identity at risk the money that do not belong to me the money that I never took out a loan for and trying to resolve this issue and returning back the money now I have a problem with XXXX allowing subscribers to continue to take from the money after I reported it leaving me in a financial bind I have all email even sent XXXX and other subscribers even talk with XXXX about putting the money back into my account that was removed no one is putting anything back I'm not going to be responsible for something that I did not do I did not sign for I did not agree to I've tried desperately to get them to return the money no one is returning the money back to the account so that net pay advance can retrieve their {$400.00} that was accidentally put into my account I'm not going to be held responsible for there actions please can you help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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