vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Respected Sir/Ma'am, On XXXX XX/XX/year>2024, Bank said they issue a cheque of {$16000.00} to my home address in XXXX as a account closure .I got my account activated back immediately .Till now, I didn't get that check. I've been calling them multiple times but they're unable to provide any information. They don't even know if that cheque got uncashed by someone or not.

I requested them to credit my account by {$16000.00} but they're not doing that too. 
I'm really worried about that amount. Please help me to get that amount back. 
Thank you. 
Kind Regards, 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 2025-01-30 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: TX

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX, Account number XXXX, Account type Collection

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX, Account number XXXX, Account type Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Mortgage Account was sold from XXXX to Shell point in 2024. My prior payment was approximately {$800.00} per month. Since shellpoint has had the loan the payment increased to {$1300.00}. I have called several times trying to get answers concerning this issue. Meanwhile, my account is showing past due even though I have been paying {$800.00} per month. Each time I call they tell me that no one can help me and they will escalate the issue and to call back in a week. The last time I called was XXXX/XXXX/2024. XXXX in the second lien dept told me He did see where the payment went up with no explanation but nothing has been done as far as the research. He said to continue paying 800 monthly. However, this is now on my credit report and they are threatening foreclosure.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I recently was informed that I have various accounts on my credit report that I did not open myself or authorize. I also ended up filing a police report of having my ssn card, veteran I.D . and drivers license stolen sometime between XXXX - XXXX in XXXX. Obviously this would have been the reason for the fraudulent accounts. I have reached out the all XXXX credit bureaus attempting to resolve this matter via phone with no success, so I have now filed the ID tfeft with the FTC, now cfpb, and also a police report. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and stop reporting of all fraudulent data involved in any Identity theft with-in 4 days of receiving such request and proof of such. 

accounts and inquiries : XXXX XXXXXXXX XXXX XXXX  Account : Account listed on credit report XXXX XXXX XXXX XXXX XXXX  Account : Account listed on credit report XXXX Credit Card Account : Account listed on credit report NYS Child Support : Account listed on credit report XXXX XXXX XXXX XXXX : Account listed on Credit report Unauthorized Inquiries : XXXX XXXX XXXX XXXXn : Inquiry dates XX/XX/XXXX and XX/XX/XXXX Factual Data Consumer Assistance : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX DC XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry dates XX/XX/XXXX, and XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX NXXXX XXXX : Inquiry date XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
As the appointed personal representative of my XX/XX/XXXX I, along with the law firm representing the potential buyer, have been requesting a mortgage payoff since XX/XX/year>2024. The company required certain documentation, all of which has been provided. At one point a customer service representative indicated the requested payoff would be forthcoming within 48 hours, however a letter was received by me indicating yet another document needed to be mailed to them so they could update their files. 
My brother died XX/XX/year>2024, and late fees and interest have continued to accrue to this point. Freedom Mortgage is in violation of the Code of Federal Regulations at this point, which requires a payoff amount be submitted within 7 days of the request being made.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have settled a debt with this XX/XX/XXXX and have been paying the agreed upon dues for 3 months now. The XXXXXX/XX/XXXX is continuing to report delinquent payments effecting my credit score negatively.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-30 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: MS

Complaint narrative:
I have contacted Transunion about account ending in XXXX that was opened fraudulently on my credit. I haven't authorized or have any knowledge of the account. I am requesting that it be removed by my account immediately.

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 2025-01-30 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: MD

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute the following items that have been inaccurately reported on my credit file. These accounts do not belong to me, and I request their removal from my credit report under the Fair Credit Reporting Act ( FCRA ) : XX/XX/XXXXXXXX Bankruptcy Reference # XXXX XX/XX/XXXXXXXX Bankruptcy Reference # XXXX XXXX XX/XX/XXXX Reference # XXXX These accounts were reported incorrectly and should not be associated with my credit profile. I request that you conduct an investigation and remove these inaccurate records from my credit file.

Please send me a written confirmation once this dispute has been resolved. If you require additional information, feel free to contact me at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently was informed that I have various accounts on my credit report that I did not open myself or authorize. I also ended up filing a police report of having my ssn card, veteran I.D . and drivers license stolen sometime between XXXX - XXXX in XXXX. Obviously this would have been the reason for the fraudulent accounts. I have reached out the all 3 credit bureaus attempting to resolve this matter via phone with no success, so I have now filed the ID tfeft with the FTC, now cfpb, and also a police report. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and stop reporting of all fraudulent data involved in any Identity theft with-in 4 days of receiving such request and proof of such. 

These accounts and inquiries are : XXXXXX/XX/XXXXCredit Card Account : Account listed on credit report XXXX XXXX XX/XX/XXXXCredit Card Account : Account listed on credit report XXXX Credit Card Account : Account listed on credit report XX/XX/XXXXXX/XX/XXXX : Account listed on credit report XXXX XXXX XXXX XXXX : Account listed on Credit report Unauthorized Inquiries : US Department of Education : Inquiry dates XX/XX/XXXX and XX/XX/XXXX Factual Data Consumer Assistance : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX DC XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XX/XX/XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry dates XX/XX/XXXX, and XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XX/XX/XXXX: Inquiry date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: HW Holding, Inc
State: CO

Complaint narrative:
I have previously disputed hunter warfield in the amount of {$2100.00} on my credit report through experian, eqiufax and XXXX : On or about XX/XX/XXXX thru XX/XX/XXXX. I disputed the account questioning the validity. Upon investigation I did not receive an validation that this alleged debt is valid. I have disputed with the actual company and the above-mentioned credit bureaus and have not received any validation that this information is accurate. This account should be removed from XXXX, XXXX, and XXXX immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, 2025, I purchased XXXX XXXX ( {$2000.00} ) on Cash App. When I attempted to send the funds from my XXXX wallet, Cash App asked for phone number verification. Upon entering my number, I received a message stating, This phone number cant be used for Cash App. Its been linked to activity that goes against our Acceptable Use Policy. I tried multiple phone numbers but continued to receive the same error message. 

On the same day ( XX/XX/XXXX ), I contacted Cash App customer support. The representative informed me that my phone number was flagged, but he couldnt explain why. I was told the best course of action was to open an appeal and investigation for my number. On XXXX XXXX, 2025, I received an email stating that my account had been deactivated and I could no longer access my account or its features. 

I called Cash App support again on XXXX XXXX, 2025, where I spoke to a different representative, her name was XXXX. She confirmed that my account was still marked as active despite the deactivation email. I was told I needed a valid phone number to withdraw my XXXX, but my number continued to be flagged. After several holds, I was informed that my number was previously linked to a now-closed account, but I had received confirmation that my number had been unlinked. 

Despite following up and explaining that I could not access my funds, I was told I could try adding another phone number, which I had already attempted with no success. I requested follow-up confirmation of the call and the actions taken, but I was told no follow-up email would be sent, and the representative could not provide details of the appeal process. 

As of now, my {$2000.00} in XXXX is stuck in my account, and I am unable to access or withdraw it due to my phone number being flagged. Cash App has not provided a clear solution or explanation, and I have received conflicting information from their support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I had one of my two Mohela student loans forgiven. I currently owe {$3100.00}. The {$220000.00} loan was forgiven. After many months and many calls, Mohela finally removed the balance from my credit reports. This took countless calls and many, many hours on hold. Without warning, Mohela re-reported the balance a second time many months later. It took many calls, hours on hold, and disputes to get it removed a second time from the credit reports. In the meanwhile, I was denied housing and suffered unfair hardships from having this incorrect information on my credit reports. After months of work, I finally got it removed a second time. Now, many months later again, Mohela has reported the incorrect balance on my reports a THIRD time. Mohela agrees that I just owe {$3100.00}, yet keeps reporting a false balance that is doing me great harm. I feel harassed by Mohela and feel that this is more than a simple error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received checks frim the IRS for my Company under the ERC act. The manager at the bank helped me open an account to deposit checks. This was on the XXXX of XXXX. 
The bank deposited the funds and then put a hold on them and transferred the monies to a holding account per the information received. This is a business in the name of XXXX XXXX XXXX XXXX not disclosing to me why? I went to the bank and the manager was surprised there was a hold on the account but could not get an explanation from anyone. I was referred to the fraud department and given a case number and email address. I received a letter on XX/XX/XXXX stating the the account was blocked due to suspicious activity. This is a business my husband and I have owned since 2001 and I changed the address to Florida as this is where we reside now. I had a professional company prepare the forms for the IRS and the bank has all the info in their possession. I had all the information with me when the manager helped me open the account or transferred the account to Florida. The original account in Michigan is not active any longer. There are 4 checks from the IRS direct to the company. They have held them for 44 days as of today they said they are waiting n the IRS without movement since XX/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 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NC

Complaint narrative:
When I have a problem I could never get a hold of a real person

Company response to consumer: Closed with explanation