vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Data Breach I am writing to formally request the blocking and deletion of my accounts listed below, as I am a victim of the recent data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked WITHIN XXXX DAYS to protect my personal information. The accounts I wish to address are as follows : [ XXXX OPENED XX/XX/XXXX {$120.00} ] [ XXXX XXXX OPENED XX/XX/XXXX {$770.00} ] [ XXXX  XXXX XX/XX/XXXX {$760.00} ] [ XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} ] [ XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$100.00} ] [ XXXX XXXX XXXX OPENED XX/XX/XXXX {$240.00} ] [ XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$240.00} ] [ XXXX XXXX  OPENED XX/XX/XXXX ] [ XXXX. XXXX XXXX XX/XX/XXXX ] INQUIRES XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Back in XXXX of XXXX I disputed this with a prior collection company and it went away. I still have yet to receive any communication from t mobile or have any bill or letter in mail showing why and what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After much review of payments made on XX/XX/XXXX XXXX and XX/XX/XXXX of XXXX total payments of XXXX paid in full. 
Date of purchase XXXX XXXX After numerous calls to XXXX  and Citibank there has been no resolution. 
Late fees have continued month after month since XXXX XXXX. My credit score has been negativily been affected and collection company called me once. 
Once reviewing statements I found that XXXX  and Citibank have two different Accounts one end in XXXX and another ending in XXXX. I believe that is were the problem stems from.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My cousin, XXXX XXXX, had a checking account with Bank of America. He is a US citizen but lived in XXXX. When he passed away in XXXX of XXXX, his wife and children asked me for help getting his ~ {$6000.00} out of his account and closing it. I contacted the bank, explained the situation, and they requested documentation. A report of death of a US citizen abroad, some other forms that they provided. I filled everything out. I was told that they had everything that they needed and would issue the check in XXXX weeks. After XXXX  months of following, up, waiting on hold, no call back, they revealed that they needed additional information from his surviving spouse, XXXX XXXX. She lives in XXXX, XXXX. She provided everything that they asked for, and even travelled to California to go into the branch personally. They told her that they would not meet with her without an appointment, and would only provide an appointment date next year. They refuse to reveal what documentation they require to release funds.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Used mobile deposit for a check received from 401k disbursement.

XXXX conflicting messages about when funds will be available. 

Generic message stating reason to believe funds will be returned- what reason? 

Believe this violates EFAA and is an excessive hold.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing a charged-off lease account from XXXX XXXX XXXX XXXX with Experian for several years. Despite multiple disputes, XXXX has never provided sufficient legal validation of this debt. They have only produced vague balance summariesno signed lease, no itemized breakdown of charges, and no proof of their legal right to report or collect this account. 

Additionally, this was a lease-to-own account, not a loan or credit account. According to the Fair Credit Reporting Act ( FCRA ), a debt must arise from credit or a borrowing agreement. This account is being reported as if it were a charged-off loan, when in fact, no actual credit was extended, and the account should not be treated or reported as a delinquent debt. 

Furthermore, when a company charges off an account, they often treat the loss as income for tax purposes. According to the IRS, a charged-off or canceled debt is considered income to the creditor and can trigger a 1099-C form to the consumer. If XXXX has already received a tax benefit by writing this off, then continuing to report the debt as collectible on my credit report is misleading and potentially fraudulent. It can not be both income and an enforceable debt. 

This inaccurate reporting is hurting my credit and is being maintained by Experian without proper documentation. I am requesting full deletion of this account and a formal investigation into XXXX  reporting practices.

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 2025-04-17 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I had to close my account I originally had opened in XXXX in order to access my primary newer account I had to open after the fraudulent activity on both accounts and I can't access the disputed transactions in the Newer account $ XXXX before XX/XX/XXXX after I had to close the old $ XXXX account and I can not access the fraudulent activity on that account either. They must have known they were making it look like they were doing nothing but they knew i couldn't get the documentation for the claim after I had done that. Please check my bank account records for me to see what I am talking about I give you full authority to do so. l to a phone report as well an email personally to you the proof of what I'm talking about send me an email to provide the information too hey babe you want to get up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX of my accounts : a XXXX XXXX XXXX XXXX account ending in * XXXX and a Credit Builder account ending in * XXXX. 

According to the official balance letters issued by XXXX XXXX on XX/XX/year>, both accounts reflect a {$0.00} balance as of that date. I have attached copies of these balance confirmation letters to support this claim. 

Despite this, there appears to be an issue with how these accounts are being reported, which is negatively affecting my credit profile. I am requesting that the CFPB investigate this matter to ensure these accounts are accurately reported by XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). 

I would greatly appreciate your assistance in resolving this issue. Please feel free to contact me via email or phone if any additional documentation is required. 

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 2025-04-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I followed all required procedures, waited the designated time for my XXXX money network debit card to arrive, and made inquiries regarding its status. Despite following every instruction, my fraud dispute was denied. I requested a full review of my case, including all recorded calls and account notes. 

All charges on the account are fraudulent. The last XXXX digits of the card ( as provided to me by a representative ) are XXXX * * XXXX. 

XXXX of Events : XX/XX/XXXX I certified for unemployment benefits through the XXXX website. 
XX/XX/XXXX XX/XX/XXXX I waited the required XXXX business days for my XXXX debit card to arrive. 
XX/XX/XXXX I certified again, still having not received a card. 
XX/XX/XXXX After the full waiting period passed, I contacted the issuer. 
XX/XX/XXXX I was informed that my funds had been fully withdrawn in a city XXXX miles away, before I had received or activated a card. I was told all funds would be disputed and a new card was ordered. 
XX/XX/XXXX A representative confirmed the new card was shipped. 
XX/XX/XXXX I received the replacement card that night and spoke to a representative named XXXX. She informed me that my dispute was denied. However, she confirmed : A deposit of {$810.00} was made on XX/XX/XXXX. 
An unauthorized withdrawal of {$800.00} occurred on XX/XX/XXXX, leaving only {$10.00}. 
A second deposit of {$810.00} was made on XX/XX/XXXX. 
The balance later XXXX to {$1100.00} after an ATM flagged a fraudulent {$300.00} transaction and issued a refund. 
This ATM acknowledgment confirms that fraudulent transactions occurred. Despite this, my dispute was denied, and I have only been credited {$20.00}, when I am still owed a total of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'Fraud mostly \nOpening accounts without my knowledge'

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 2025-04-17 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: FL

Complaint narrative:
I am a victim of identity theft and have submitted multiple formal disputes to Experian regarding unauthorized inquiries and inaccurate personal information on my credit file. Despite these efforts, Experian has failed to act in compliance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries were made without my knowledge or consent : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> In addition to these inquiries, Experian is reporting inaccurate personal information including : Incorrect names Wrong date of birth Unauthorized fraud/identity theft statement False addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I have XXXX a XXXX sworn affidavit, FTC Identity Theft Report ( Ref XXXX XXXX ), declaration of harm, government-issued ID, and proof of address. Experian continues to verify and report this information in violation of FCRA XXXX, XXXX ( b ), XXXX ( a ), XXXX, and 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 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Repeat letters & calls from Portfolio Recovery Associates , LLC. Because some other guy in XXXX XXXX has my first & last name, yet the charges I made were from a XXXX  account ... not from XXXX  XXXX because I don't have an account from XXXX  XXXX. A balance of {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: WA

Complaint narrative:
Experian continues to report harmful inaccuracies on my credit profile that should have been corrected long ago. The presence of these errors signals a serious flaw in your investigation and verification process. These inaccuracies are directly harming my financial standing, and I will not tolerate continued negligence. 

The FCRA requires that every item reported must be both accurate and verifiable through original supporting documents. If Experian can not prove these records are valid using legitimate evidence, they must be deleted immediately. I expect a complete reinvestigation and immediate correctionfurther delay will be treated as a direct violation of my rights. 

The following dispute items are inaccurate and require urgent correction : Inaccurate Experian Collection XXXX  XXXX - Account Number : XXXX * * * * - Balance : {$85.00}

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 2025-04-17 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 : 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 of 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 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 non-monetary relief
Consumer complaint received 2025-04-17 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-17 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
Unauthorized access of my information by XXXX and XXXX XXXX on XX/XX/year> which was national news and widely reported. Multiple privacy laws violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
Unauthorized access of my information by XXXX and XXXX XXXX on XX/XX/year> which was national news and widely reported. Multiple privacy laws violated.

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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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