vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Care Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I requested unemployment on the XXXX of this month and have not received my card even though I have 2 full payments on the card, and no one will tell me a date of arrival. 
I have tried speaking with way2go customer service and can not reach anyone to address this issue. I need this card re sent and expedited next day air. 
UPS is saying this has to be handled by the sender and offers no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Experian has been updating and refusing to remove false information from my credit report which has resulted in major financial hardship for me and my family for years. Their investigations have proved ineffective.

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 2025-01-27 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly 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.

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. Initial Problem : In XXXX I opened a Bank of America account after returning from working for a family company in the XXXX XXXX XXXXXXXX. I received payment of {$8500.00} from this company, which I saved while overseas. Upon returning to the United States, I instructed the remitter to send the funds to my new Bank of America account. Shortly after the funds were transferred, I withdrew approximately {$200.00}. Two days later, my account was frozen, and I noticed a negative balance and restrictions on adding or withdrawing money. 

2. Steps Taken : I immediately contacted Bank of America, and they informed me that my account was placed on a fraud hold and required additional information. Within the same week, I contacted the remitting bank and informed them of the situation. The remitting bank contacted Bank of America and provided the necessary information. However, I was later informed that Bank of America did not have the information, so I personally printed out all relevant documents, including the XXXX message, a message from the remitter, and a statement from the remitting bank confirming that the funds were not fraudulent.

Despite providing this information multiple times and making numerous phone calls, I received no helpful informationand was repeatedly given conflicting responses. I visited multiple Bank of America branches, spoke with branch managers, and provided printed documentation, but the issue remained unresolved. 

3. Impact on Financial Situation : As a result of this unresolved issue, I have been placed on a fraud watchlist, which has prevented me from opening any new bank accounts over the past four years. This has severely impacted my credit and financial situation, causing significant stress and hardship. Additionally, my damaged credit has prevented me from obtaining a credit card, making it difficult to purchase everyday necessities. My insurance rates have also increased due to my damaged credit, making it challenging to maintain transportation and employment.

Furthermore, I had to borrow money from family members to cover basic expenses, as I was unable to access my own funds. I was also unable to secure stable housing and had to rely on friends for temporary accommodation, causing significant disruption to my life. All of these challenges were exacerbated by the COVID-19 pandemic, which made it even more difficult to access essential goods and services.

4. Documentation and Evidence : I have retained c
opies of all relevant documentation, including correspondence with the remitting bank, XXXX messages, and statements confirming the legitimacy of the 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 monetary relief
Consumer complaint received 2025-01-27 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 RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES 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 explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I am filing a formal complaint against XXXX and Equifax for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent non-compliance. I believe XXXX and Equifax have failed in its statutory obligation to ensure the accuracy and fairness of the information included in my credit report and has demonstrated negligence in handling my prior disputes. 

Details of Complaint Negligent Reporting of Inaccurate Information : XXXX has failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information included in my credit report.

Ensuring maximum accuracy of consumer report information ( 15 U.S.C. 1681e ( b ) ).

Conducting a reasonable reinvestigation upon receiving a dispute ( 15 U.S.C. 1681i ).

Providing accurate results following investigations and correcting errors promptly.

Their failure to comply with these obligations has caused harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One offered a higher interest rate on their savings account to get me to open an account then lowered it once my account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies TransUnion, XXXX, and XXXX block and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # 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 2025-01-27 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:
I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies XXXX, XXXX, and Equifax block and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I called them to ask them who they are and when did we do business. They could not provide me with any of this information. The company name is LVNV Funding Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID

Complaint narrative:
On my monthly payments, I usually include additional funds for prepayment of principal. Not every month, but more than once, Citizens Bank , NA XXXX XXXX XXXX XXXX XXXX XXXX, has taken money for prepayment of principal and instead used it to prepay unaccrued interest. Most recently, in early XX/XX/year>, I paid {$60000.00} towards principal ( along with the amount owed for interest ). The {$60000.00} was specifically and expressly identified as a payment towards principal. However, a portion of that amount was applied to future months ' interest i.e., unaccrued interest. Furthermore, statements as to future interest owed were overstated since they did not take into consideration the full payment that was to be applied towards principal. When I received the next mortgage statement in late XXXX, I called and challenged the basis for Citizen 's to unilaterally take a principal payment and apply it towards future interest. They said they would fix it. When I received the next mortgage statement, it reflected that I still did not receive full credit for the {$60000.00} principal payment. Accordingly, the reference to interest owed was again overstated. Essentially, Citizens is converting and misapplying funds paid on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently had XXXX collections placed on my credit report both medical bills that have reduced my Credit Score by XXXX points. As per the new rule enacted by CFPB medical debts are not allowed to reduce credit score or show up on credit report. I submitted a complaint to the credit agencies and this has not been removed.

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 2025-01-27 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I purchased some clothes on XX/XX/year> from the XXXX XXXX. I have since found out that the company is fake and does not actually exist. There is no phone number to contact them and the web site they were on ( sawell.com ) does not exist. 

The charges {$230.00} are pending on my Chase credit card. However, Chase refuses to cancel the pending charges and states that I need to continue to monitor my credit card until the charges move from pending to charged. Fifteen days after that, they would file a dispute for me. I don't see how that's going to work out since the company does not exist and there would be no one to dispute with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$850.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Account # : Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX  Account # : XXXX Balance : {$1200.00} XXXX XXXX XXXX Account # : XXXX Balance : {$130.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-01-27 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly 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 necessary proof of investigation. This the account that I marked as inaccurate : XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been filing complaints to correct my address, my phone number and my email... Nothing gets done The only company that I am able to log onto the website and see my report is XXXX. 

Experian I have called for months, AI prompt will not allow you to speak to an agent and being that they do not have my correct phone number listed I can not recieve the code for verification. 

XXXX you speak to agents they have to send you a link to upload your License and take a selfie, which works, but then they say they cant verify me because my phone number. I have tried, been patient and I am getting the run around. PLEASE PLEASE PLEASE UPDATE MY INFORMATION SO THAT I MAY LOG INOT MY ACCOUNTS NAME : XXXX XXXX XXXX PHONES : XXXX OR XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMAIL I AM CHANGING SO THAT I CAN START A CLEAN SLATE XXXX this is a draining process. I have tried and tried to get into my accounts with no success. 


EXPERIAN EVEN ACKNOWLEDGES THAT IT RECEIVED DOCUMENTS IN XX/XX/year> FROM CFPB BUT WONT UPDATE MY ACCOUNT

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 2025-01-27 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: IL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On the morning of XX/XX/XXXX, I received an email stating my account was being restricted when I didnt use the account for weeks after depositing what was a payment of {$500.00}.

Company response to consumer: Closed with explanation