vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: Kikoff Inc.

Complaint narrative:
Late Payment Reporting There is a late payment being reported on my credit report. I am disputing this entry because I never gave written consent to the creditor to obtain or furnish my credit information, as required by 15 U.S. Code 1681b. This entry is inaccurate and is negatively affecting my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account at Truist bank in XXXX, late XXXX. XXXX XXXX. I deposited {$800.00} cash and a work check for {$820.00}. Within 24 hours Truist closed my account account and seized my funds. It has taken me more than 2 months to get my cash back. I just spent XXXX hours, my XXXX visit at Truist yesterday trying to receive the balance. I have provided proof to them the funds were intended for me, from my employer. Proof was his bank statement showing the funds left his account as well as a letter from my employer stating the {$820.00} seized was intended for me. Truist now says his bank has to call them to dispute the seizure! This is preposterous!! Please help!

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 2025-05-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kovo
State: MD

Complaint narrative:
Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU NAME XXXX  Credit bureau XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. To whom this may concern, I am writing to request the removal of unauthorized credit reporting /inquiries on my ( name of the credit bureau\uXXXX XXXX XXXX XXXX XXXX XXXX credit report. My latest credit report shows ( number of credit late payments/ inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. Credit name Kovo XXXX Account number XXXX Address XXXX, XXXX late payments showing up on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NJ

Complaint narrative:
I did a re-fi on my Bank of America XXXX XXXX XXXX with a new line of credit with Bank of America. This process started in XXXX of XXXX. I was working with XXXX XXXXXXXX XXXX XXXXXXXX XXXX both from Bank of America. I provided all necessary paperwork for them and the underwriter who was requesting the information. The new loan was approved and we were set to close the new at the line of credit. XXXX XXXX called me on XX/XX/2025 to discuss the closing. XXXX stated that everything was finalized and she would be contacting me in the next day or XXXX to close the new loan. XXXX never reached back out. I emailed her everyday for XXXX weeks and she never responded. Finally, on XX/XX/2025 I get a call from XXXX XXXX XXXX ID : XXXX a BOA closing agent. He tells me that I need to close the new loan the very next day on XXXX or if I do not they will need to do a new appraisal because it expires. With that short of notice I could not make that especially because my wife works in XXXX XXXX and could not just take off and she needed to be at the closing. So, the closing got delayed XXXX more weeks. I spoke to XXXX XXXX about the fact that the old loan had a payment due and should I go ahead and pay that. XXXX informed me that I should not as it would create an issue with the final payoff. I am attaching his email as he put this in writing. I was promised that I would not receive a late fee and that BOA would not report to the Credit Bureaus. Of, course BOA did charge me a late fee which they had to waive and 30 days after the closing they reported me late to the credit bureaus. I reached out to BOA several times this week for help on this matter that they created and which caused my credit score to go down by XXXX points. XXXX XXXX XXXX ID : XXXX received several emails from me about my concerns as well as I called the loan department and expressed my concerns. BOA claims that they did not report me to the credit bureaus but I have attached the damage to my score as well as BOA reporting me 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 monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding American Express dispute XXXX XXXX this company is racist to XXXX  like me she doesnt believe our evidence and constantly reopens my chargebacks. I bet theres a class action discrimination case here and I would like to be the lead plaintiff if so. I have attached proof I returned the items using the merchants ups return label and ups even marked the investigation closed with PROOF OF DELIVERY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Experian on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1. Experian has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Experian is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Experian breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that Experian remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX 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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
I was sent an email about a Fortiva retail credit card being opened in my name. Then i was sent emails about purchases being made with that card. I have never attempted to open a Fortiva card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has still not responded or updated the report despite multiple disputes and mailed documentation. Im requesting follow-up enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I had my XXXX XXXX  card linked to my cash app well someone hacked my cash app and tried to purchase things online using my cash app since I didnt have any money on there they charged my XXXX  XXXX card all the way up to $ XXXX when I donated I was supposed to receive {$50.00} but they took it and I never got it back I called cash app and XXXX  and they said I was responsible for the purchases that I didnt do even cash app just kept hanging up on me every time I called I have proof of these purchases they didnt go threw just charged my XXXX XXXX  card linked to cash app so I couldnt donate or they would take my donations away so I stoped donating at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
i recently submitted a disputed questioning the accuracy of the tradeline with XXXX XXXX XXXX. in the company 's response the documents provided to me XXXX states they disagree and that the information being reported on my credit report is accurate.as it is law and a right that a company reports information accurately. many payments has been made yet the company has stop reporting payment history to the bureaus for months greatly affecting my report This account is currently in XXXX status in this status on fees or late fees are charged. XXXX states the tradeline balance is {$4500.00} looking at the payment history provided by XXXX for the months XXXX my payments brought the total balance down to {$4000.00} this proved my suspicion of unreported payments deeming the tradeline balance incorrect seeing this incorrect balance reported and seeing the company response after it being brought to their attention my faith in XXXX to resolving this issue is low the company seems to report what they want with no penalty

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 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX XXXXXXXX, I spoke with a representative from Source Receivables MNG LLC ( a creditor for XXXX  ) regarding an outstanding balance of {$140.00}. During this phone call, the representative explicitly and unequivocally promised me that if I paid the full outstanding balance, this account would be completely removed from my credit report as if it had never existed. This was the sole and express condition upon which I agreed to make the payment. 
I fulfilled my part of this verbal agreement by paying the full {$140.00} on XX/XX/year>. My records confirm the account is now 'closed/paid. ' However, despite this clear promise and my complete adherence to our agreement, Source Receivables MNG has failed to uphold their end. This account remains present on my credit report with negative remarks, directly contradicting the terms we agreed upon. 
This constitutes a breach of a verbal contract and a deceptive business practice. I believe Source Receivables MNG ( and by extension, XXXX  ) records all phone calls for quality assurance and training, and a recording of this specific conversation on XX/XX/year>, at XXXXXXXX XXXX  XXXX will verify my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, initially, I had a balance of XXXX XXXX dollars in my PayPal account. Since it was not possible to withdraw the funds to XXXX, I retained the balance in this account for an extended period. However, on XX/XX/XXXX, I received an email notifying me that my PayPal account had been linked with two-factor authentication and a credit card without my authorization. Upon attempting to log in, I discovered that due to the newly added two-factor authentication, I could no longer access my account normally. After resetting my password and successfully logging in, I found that my funds had been transferred out without my consent. Subsequently, I contacted PayPal customer service to report the issue, but their response was a refusal to compensate, citing no abnormalities in my account activity. I find this outcome unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: AL

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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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. The list of accounts and/or inquires below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Account Name : XXXX XXXX XXXX XXXX  XXXX XXXX. Account XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. Account XXXX : XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. Inquiry : XXXX XXXX XXXX XX/XX/year> XXXX. Inquiry : XXXXXXXX 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/year> has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts and/or inquires below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681.

1. Account Name : XXXXXXXX XXXX XXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. Inquiry : XXXXXXXX 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 XXXX XXXX XXXXXX/XX/year> has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: TN

Complaint narrative:
I used XXXX XXXX  XXXX  a service provided by Dandelion Payment Inc. dba XE USA to send a money to my family in the XXXX yesterday ( XX/XX/year> at XXXX ) I split the the transaction between my mom and my sister because they live separately and I send the same amount of money to them ( {$1300.00} or XXXX XXXX XXXX in each ) and its already taken out to our bank account. After I send the money, the money I send to my mom is already released but the money that I send to my sister hasnt release. They send me an email and asking additional information from me for verification, and I provided everything they asked/need from me immediately. And I called them many times yesterday ( XX/XX/year> ) and told them I already provided everything they need and they promised me they will release the money to my recipient ( sister ) yesterday but they did not. My sister really need that money to pay the bills in the XXXX. And I woke up this morning still wasnt release. They are holding my money after I provided all the information they need.

Company response to consumer: Closed with explanation