vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX TO XX/XX/XXXX STARTING FROM SHUTTING ACCOUNTS DOWN/ZELLE TO CUTTING CREDIT CARD AND DEBIT CARD NEEDED FOR MEDICAL AND MENTAL SERIVCES AS WELL AS US PHONE AND ALL ACCOUNTS SHUT DOWN BY BofA. THEN, CUT OFF, IGNORED, DENIED AND DESTROYED. COVID TO CA FIRES TO ALREADY SENT IN COMPLAINT IN XX/XX/XXXX. LIFE THREATENING AND LIFE ENDING. 
Problem using a debit or ATM card ( unauthorized card use, fees, disputed transaction ) Funds not handled or disbursed as instructed Problem accessing account ( online or mobile access, receiving the periodic billing statement ) ALL : DESTROYED LIKE XXXX AND BOFA- YOU HEARD ME A THOUSAND TIMES AND DID NOT LISTEN OR CARE. CUT OFF AND DESTROYED. STOLEN AND LEFT TO XXXX. NO JOKE. THIS CLAIM WAS SENT BACK IN XXXX AT THE SAME TIME OF XXXX. 
Deposits and withdrawals ( access deposited funds, account freezes, garnishments, transaction holds ) Problem making or receiving payments ( bill pay, mobile or online payments, bank offsets, transaction holds ) Banking errors ( interest rate calculations, errors crediting account ) ARIZONA AND TEXAS ONLY : ALL CUSTOMER SERVICE/ALLEGED SUPERVISOR. 
DISCUSS ALL ISSUES WITH BofA. PRESERVATION LETTER AND DEMAND LETTER SENT. 
INTENTIONAL PAIN AND SUFFERING TO XXXX ELDERLY WOMAN WITH XXXX INTENTIONAL PAIN AND SUFFERING TO XXXX SENIOR MAN WITH XXXX  AND XXXX  and XXXX and now RIGHT-SIDE XXXX XXXX XXXX HEALTH AND LOSS OF LIFE AND WORK. 
INTENTIONAL HARM OR INTENTIONAL INFLICTION OF PAIN, HARM AND SUFFERING INTENTIONAL XXXX PERJURY DISCRIMINATION TO A XXXX ELDERLY WOMAN XXXX DISCRIMINATION TO A XXXX SENIOR MAN XXXX, XXXX, XXXX, XXXX XXXX XXXX LOSS OF WORK LOSS OF HOME DESTRUCTION OF DOCUMENTS WIRE FRAUD RECKLESS ENDANGERMENT THE LIST IS VERY LONG. 
THIS WAS FILED IN XX/XX/XXXX. 
ACCESS TO NEEDED AND FUNDS AND LOSS OF LIFE AND SO MUCH MORE DONE BY BofA AND BMO- THIS NEEDS TO BE DISCUSSED WITH ANY AND ALL CFPB AS IT WAS SENT BEFORE AND NOT ONE CFPB OR XXXX OR BOFA RECTIFIED THIS HORRIFIC AND LIFE THREATENING AND LIFE ENDING ISSUE. BofA and XXXX CALL CENTER- CRYING ON PHONE PLEADING AND PLEADING AS MY MEDICAL AND MENTAL CONDITIONS WERE DIRE. BOTH BANKS AT THE EXACT SAME TIME. MADE MY HEALTH AND CONDITION WORSE. FROM WHAT WAS sPTSD to XXXX AND XXXX AND XXXX XXXX XXXX TO THIS MOMENT AND FIGHTING AND FIGHTING FOR MY MONEY AND MY MOM 'S LIFE. ALL DESTROYED. ALL GONE. NOW. XXXX AND THE ELEPHANT IN THE ROOM. 2 OF THEM AND SO MUCH MORE. SO MUCH TO SAY. I AM A XXXX SENIOR FACING TOTAL LOSS OF LIFE AND DREAMS CRUSHED AND STOLEN FOR GREED. I JUST WANTED TO HOLD MY MOM BEFORE SHE DIED. HER ASHES ARE SOMEWHERE IN LA AT A CREMATION CENTER. NO MONEY TO PAY OR MONEY TO DO ONE SINGLE THING. FOUND 'DEAD ' ON THE GROUND. UNATTENDED. ME. ISOLATED AND DESTROYED AND BEYOND DURESS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 process 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 2025-02-13 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 non-monetary relief
Consumer complaint received 2025-02-13 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:
This morning, I discovered that my credit report contains incorrect accounts, and I have no idea how they got there. As part of my usual routine, I checked my credit report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I have submitted so that I can put this concern to rest permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX, TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2

. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their inclusion on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA Section 605B [ 15 U.S.C. 1681c-2 ] requires the blocking of information resulting from fraud or a data breach.

FCRA Section 604 [ 15 U.S.C. 1681b ] limits the permissible purposes for accessing and reporting consumer credit information, which these inquiries and accounts do not meet.

I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed immediately. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. 

I expect immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond promptly in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their inclusion on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA Section 605B [ 15 U.S.C. 1681c-2 ] requires the blocking of information resulting from fraud or a data breach.

FCRA Section 604 [ 15 U.S.C. 1681b ] limits the permissible purposes for accessing and reporting consumer credit information, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed immediately. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. 

I expect immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond promptly in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
My account with XXXX XXXX, AND XXXX XXXX  XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: SC

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 non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I have never had any credit cards or auto loans in my never EVER. I Only had student loans. My credit report is full of fraudulent accounts and auto loans that I never authorized ever in my life. This is crazy because I am getting harrassed by debt collectors and falling victim to accounts on my credit report that I never authorized or allowed ever in my life. According to 15 USC 1692C these companies have violated my rights by in lawful communications and i would like these removed from my credit file at once. I did not authorize none of these accounts and im constantly getting harassed by bill collectors and agencies that i am not aware of. PLEASE REMOVE THESE OFF MY CREDIT REPORT THANK YOU. 

There is multiple credit accounts such as XXXX opened XX/XX/XXXX with an amount of {$3900.00} that I never authorized ever. 
XXXX XXXX  opened XX/XX/XXXX with the amount of {$3600.00} XXXX XXXX  opened XX/XX/XXXX with the amount of {$2700.00} XXXX XXXX XXXX loan opened XX/XX/XXXX amount of {$27000.00} XXXX XXXX XXXX account opened XX/XX/XXXX Amount of {$12000.00} XXXX XXXX  in the amount of {$16000.00} Opened XX/XX/XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Amount of {$1000.00} XXXX  XXXX account XXXX XX/XX/XXXX in the amount of {$2300.00} I did not authorized none of these accounts and they all are fraudulent accounts, When I was XXXX XXXX XXXX my house burned down in a fire which caused me to loose all me and my families personal information from the fire. 
There is a bunch of wrong address on my credit file that are not even mines that I never lived at ever According to 15 USC 1692C these companies have violated my rights by in lawful communications and i would like these removed from my credit file at once. I did not authorize none of these accounts and im constantly getting harassed by bill collectors and agencies that i am not aware of. PLEASE REMOVE THESE OFF MY CREDIT REPORT THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I have never had any credit cards or auto loans in my never EVER. I Only had student loans. My credit report is full of fraudulent accounts and auto loans that I never authorized ever in my life. This is crazy because I am getting harrassed by debt collectors and falling victim to accounts on my credit report that I never authorized or allowed ever in my life. According to 15 USC 1692C these companies have violated my rights by in lawful communications and i would like these removed from my credit file at once. I did not authorize none of these accounts and im constantly getting harassed by bill collectors and agencies that i am not aware of. PLEASE REMOVE THESE OFF MY CREDIT REPORT THANK YOU. 

There is multiple credit accounts such as XXXX opened XX/XX/XXXX with an amount of {$3900.00} that I never authorized ever. 
XXXX XXXX  opened XX/XX/XXXX with the amount of {$3600.00} XXXX XXXX  opened XX/XX/XXXX with the amount of {$2700.00} XXXX XXXX XXXX loan opened XX/XX/XXXX amount of {$27000.00} XXXX XXXX XXXX account opened XX/XX/XXXX Amount of {$12000.00} XXXX XXXX  in the amount of {$16000.00} Opened XX/XX/XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Amount of {$1000.00} XXXX  XXXX account XXXX XX/XX/XXXX in the amount of {$2300.00} I did not authorized none of these accounts and they all are fraudulent accounts, When I was XXXX XXXX XXXX my house burned down in a fire which caused me to loose all me and my families personal information from the fire. 
There is a bunch of wrong address on my credit file that are not even mines that I never lived at ever According to 15 USC 1692C these companies have violated my rights by in lawful communications and i would like these removed from my credit file at once. I did not authorize none of these accounts and im constantly getting harassed by bill collectors and agencies that i am not aware of. PLEASE REMOVE THESE OFF MY CREDIT REPORT THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief