vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America did not properly research and resolve fraud charge Didn't dig deep enough and put charge back on my card It appears as if they contacted the fake merchant and got information that something was shipped to my actual address. No shipping company no tracking number no confirmation. I absolutely did not purchase or receive anything. 
{$5200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I spoke to Bank of America, they did not have a official phone number of this merchant, nor a merchant code The person I spoke to looked up on XXXX and found something that closely matched the merchant description on my bill. 
The XXXX XXXX XXXX in Pennsylvania and gave me the phone number from the website XXXX XXXX XXXX Bank of America said they would " review '' the claim and it would take up to 60 days to get back with me. In the meantime I'm expected to pay {$5200.00}! 
I took matters into my own hands and made a phone call to this merchant, which probably wasn't the merchant that put a charge on my credit card. I spoke to XXXX XXXX the head of their accounting department Friday afternoon, she told me that she couldn't see any charges like that for XXXX. But she told me to send her an email with an attachment with the documentation research that Bank of America used. She got back to me right away, Monday, and after a thorough review of their accounting records for that month, they concluded that this was neither a XXXX engineering sale nor was a credit card payment ever received for set amount. I was not in their database. And was not charged from them. 
I filed a police report. XXXX county sheriff 's department report number XXXX I do not have much confidence in Bank of America XXXX I need help. 
I can prove that I did not make this purchase. I know there was an uptick in credit card skimming during the hurricane recovery in our area. Fly by nights were in the area hitting the gas pump credit card readers. I'm probably a victim of such crime.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by TransUnion. 
Details of the Dispute : 1.Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX FL XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that TransUnion investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2025-03-19 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: CA

Complaint narrative:
My old room mate used my credit to open accounts. These are not my accounts. Please remove these from my credit. Also if the credit reporting places do not handle my case correctly please include my in the lawsuit against them for failing to correctly process the dispute. 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 explanation
Consumer complaint received 2025-03-19 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SoLo Funds Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I acted as a XXXX for this platform in the amount of {$50.00} to a XXXX XXXX, to be referred to as XXXX. The loan was due on XX/XX/XXXX and has not been recovered. According to Solo Funds, they are working to recover these funds and have deducted a fee in the amount of {$15.00} from the amount owed to do so. I have contacted the company numerous times to ask for an update, only to receive ambiguous information. I requested the Borrowers complete information to attempt to collect the debt, as I do not believe Solo Funds is exhausting all efforts to do so. I received an email on XX/XX/XXXX stating they will not give me that information and I can contact their general counsel by postal mail for complaints. This is wrong on so many levels, as the contract states the XXXX ( in this case spelled out as me, XXXX XXXX ) XXXX exercise all remedies available under applicable law and this Note, including without limitation demand that XXXX immediately pay all amounts due and outstanding on this Note. Without the correct information or access to the collection agency involved, I am stripped of my ability to practice lawful recovery of these funds. At this time, the amount due is {$67.00}, minus the {$15.00} recovery fee. I am requesting the full amount to be returned or the requested information on the borrower/collections agency provided in a timely manner. Thank you very much for your time. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

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 2025-03-19 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 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My wife and I had our service provider changed in XXXX. My wife passed XX/XX/XXXX. 

XX/XX/XXXX a new Deed was recorded with the XXXX XXXX XXXX XXXX XXXX stating my wife name has been removed and the Deed is only in my name. 

The service provider Select Portfolio Servicing Inc. will not remove my wifes name. I was told they would remove her name IF I reapplied for a new mortgage with them, or her name would remain on the mortage for the entire time remaining on the loan. 

Any and all assistance with this matter would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) (
A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Medical debt is on credit. Per ruling by. CFPB in XX/XX/year> that went into effect XX/XX/year> I have requested to have debt removed from credit and validation. Company is refusing to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
There are incorrect items on my report that are unfairly dragging down my scores and preventing me from getting the opportunities I deserve. Its incredibly frustrating to deal with the impact of someone elses mistakes.

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 2025-03-19 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: MOHELA
State: MD

Complaint narrative:
I am filing a formal complaint regarding my student loan provider and the XXXX Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent.

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws. 
Mohela, my student loan provider, has not responded to my initial request for information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
To Whom It May Concern, In XX/XX/year>, I contacted XXXX XXXX regarding the title for my vehicle, as I had fully paid off my car three years prior but never received the title. When I called, a representative informed me that I still owed a {$1000.00} balance due to a repossession fee. However, my car was never repossessed, and this charge appeared to be an unexpected balloon payment added to my account at the end of the loan term. 

I requested a copy of my payment history, and upon reviewing the document, I noticed that my final recorded balance was {$0.00}. However, at the top of the document, the agent had manually listed a {$1000.00} balance. When I brought this discrepancy to his attention, he was unable to provide a clear explanation. I escalated the issue to a manager, but even the manager could not justify the charge. Instead, I was told that if I paid {$300.00}, they would release my title within 30 days and mark the account as paid in full. 

I made the {$300.00} payment, yet as of XX/XX/year>, I still have not received my title. Additionally, the company failed to close my account and update my credit profile as promised. Instead, my credit report now reflects a {$700.00} outstanding balance, despite assurances that my account would be marked paid in full. 

Over the past several months, I have called the company numerous timesapproximately XXXX XXXX  resolve this issue. Despite my repeated efforts and formal complaints, they only began taking action after I threatened legal action and reporting them. Even now, my account remains inaccurately reported. 

This company has engaged in deceptive and unfair practices by misrepresenting my balance, delaying my title release, and failing to correct my credit report despite multiple assurances. I am requesting the CFPBs assistance in : XXXX. Ensuring the company immediately releases my vehicle title as required by law. 
XXXX. Correcting my credit report to reflect a paid-in-full status with a {$0.00} balance. 
XXXX. Investigating the company for unfair, deceptive, and misleading practices regarding loan repayments and title releases. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue.

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