vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive been with Bank Of America for over 20 years, and I never made a complain about money. On XX/XX/year> someone transfer {$10000.00} from my savings account. To my Checking account Bank Of America knows that it wasnt me. Not from my phone. Not for my desktop. On XX/XX/year> they Took out {$1600.00} then on XX/XX/year> they took out two payments Of XXXX Bank Of America normally sends me a notification they did not. the lady and she said that somebody probably turned notifications off. Bank of America close my account. I was eating in a restaurant in my car got declined. I called Bank Of America that Social said that they saw fraud in my account and thats why they canceled it. I called the police I was assigned to XXXX XXXX my case number. XXXX his phone number XXXX XXXX XXXX XXXX police. If you go to the company that took my money out. XXXX XXXX. Other people are complaining about the same thing.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received a letter from Experian and when I opened it. They sent someone elses information with my address. Im just concerned now if they sent my personal information to a random person. Im not confortable with this company anymore. They sent personal information to random addresses and I took pics to upload them here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, XXXX XXXX, an Account Research Specialist from GoodLeap replied via an email of my request, " Good morning, I have added the SCRA to your loan account, please give some time to have this processed. '' As of today, XX/XX/XXXX, those benefits have not been added to the account, as confirmed my multiple Account Specialists who have asserted that they will have someone from their " back office '' research the request, and they will get back to me within 3 business days. There has been a total of 14 calls to GoodLeap, in an attempt to rectify the situation and to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.

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 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 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 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 non-monetary relief
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
These companies XXXX XXXX XXXX XXXX and XXXX is in clear violation of the law. Under 15 USC 1681b- permissible purpose of a consumer report, the law clearly states ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I didnt give written instructions to furnish this account on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title. Any report containing information solely as to transactions or experiences between the consumer and the person making this report.

Company Name : XXXX XXXX XXXX Account # last four digits : XXXX begging four digits of account # XXXX Company Name : XXXX  Last 4 of the account # XXXX Last 4 of the account # XXXX Last 4 of the account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-03-31 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: CA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

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
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, XXXX, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

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 non-monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

XXXX XXXX XXXX  Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am submitting this complaint regarding PayPal 's handling of my account. Recently, I discovered that PayPal deducted over {$6000.00} from my account under the label " General Account Correction '' without any prior notice, explanation, or communication.

The key problem is : I never received any emails, dispute notifications, or requests for additional information from PayPal.

There were no active disputes, chargebacks, or fraud cases on my account. 

I temporarily lost access to my registered email, which prevented me from monitoring my account, but I regained access later and found that the funds had already been seized. 

PayPal did not provide me with any case number, reason, or supporting documentation for these deductions.

I consider this deduction unjustified and unfair, as it occurred without my participation, and I was given no opportunity to defend myself or to resolve the matter. 

I have already contacted PayPal support requesting : Full disclosure of the reason for the deduction.

The related Case ID or dispute details. 

A Manual Review and return of the funds. 

I have not received a satisfactory response, nor have I been provided with clear information. 

I respectfully request CFPB 's assistance in investigating this issue and helping me recover the unjustly withheld funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The issue with my personal information on Experian is the reason why I am not able to access the three credit bureau report service I subscribed to because of how INCORRECT the personal information is that they are continuing to report on my behalf. It literally tells you the difference in personal details is the reason I cant see my reports which is also an inconvenience and a hinderance to me trying to dispute incorrect information across the board. I need this issue resolved by correcting the information.

According to the FCRA I have the right to dispute incomplete or inaccurate information and consumer agencies have the responsibility of deleting inaccurate, incomplete or unverifiable information. These agencies have failed to assure maximum possible accuracy of the information concerning my credit report and I want the following information updated and DELETED. It is evident that they all have failed to do their due diligence by exercising integrity and accuracy and for this they have cost me thousands of dollars. I look forward to your response in deletion.

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 2025-03-31 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report that I do not recognize.

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 2025-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I have been using PennyMac to manage my mortgage payments for several years without issues. In XX/XX/XXXX, I received a refund from PennyMac, which they indicated was due to overpayment on my mortgage. Trusting that this was accurateespecially since my mortgage payment has always been higher than initially XXXX accepted and used the refund. 

However, in XXXX XXXX, I received a bill for approximately {$9600.00} in XXXX XXXX taxes for the year XXXX. Upon inquiry, I was informed that while my XXXX property taxes had been paid, my XXXX taxes had not been paid by PennyMac. When I contacted PennyMac to understand why this happened, their representative could not provide an explanation.

Now, PennyMac is stating that I return the refund I received XXXX months ago, or they will increase my mortgage payments to cover the shortfall. This has placed a significant financial burden on me due to their mismanagement of my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : FCRA and FDCPA Violations Inaccurate Reporting of Account # XXXX Description of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for unlawful credit reporting practices . Despite prior disputes, they continue to report Account # XXXX with derogatory status, falsely marked " Dispute resolved ; consumer disagrees. '' XXXX XXXX failed to conduct a reasonable investigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) and continued to report inaccurate information without verification, violating FDCPA 1692g ( b ).

Additionally, they failed to properly honor fraud alerts placed on my file and refused to cease reporting after dispute resolution.

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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I asked Amex to refund a fee for a card I no longer use to be refunded. They are refusing to refund and never provided me a statement either in electronic or paper format - this is a digital mugging. This card was supposed to be cancelled or moved to a product

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am writing to formally express my frustration and disappointment regarding Honda Financial Services ' refusal to allow me to purchase my leased vehicle through my trust, which qualifies for a tax exemption under New Jersey law. Despite multiple attempts to resolve this issue, I have encountered misinformation, unprofessionalism, and an outright refusal to process my payment.

For over six weeks, I have attempted to complete my lease buyout, but this company has refused to accept payment, claiming that I must be a diplomat to qualify for tax exemption. This is false and contradicts New Jersey state tax laws. Additionally, their customer service representatives have repeatedly misled me, failed to return my calls, and ignored my concerns. I have been waiting over five weeks for a supervisor to address my complaint, yet no action has been taken. 

Furthermore, I have written to corporate with no response and reported this issue to the New Jersey Division of Consumer Affairs. Despite my good-faith efforts to resolve this matter, Honda Financial Services has unjustly reported me as delinquent to credit bureaus, damaging my credit standing, even though the delay is entirely due to your company 's refusal to accept payment.

As a loyal Honda customer for 16 years, I find this treatment unacceptable. The continuous harassment through daily calls about non-payment, when their company is the one preventing resolution, constitutes unfair and discriminatory treatment. Given the undue stress, damage to my credit, and financial hardship caused by Honda Financial Services actions, I am formally requesting a discount on the vehicle as compensation for the discrimination and harassment I have endured.

Company response to consumer: Closed with explanation