vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have XXXX sitting in my blockchain.com account wallet, I am unable to use this to buy any crypto, I am unable to transfer to my wallet which supports XXXX payments ( XXXX XXXX so that is not an issue. It just keeps saying I have no money to withdraw/use to buy crypto. 

I click the euros and it automatically converts to XXXX so maybe its a software bug but its been happening to many users after doing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been unemployed since XX/XX/XXXX. I am not receiving unemployment benefits. Those only last for six months. I exhausted my savings and 401k retirement savings in the last 2 1/2 years since losing my employment. 
Prior to that, I have always made my credit card payments on time, even prior to the due dates. 
I called and spoke with XXXX XXXX XXXX XXXX XXXX Chase Bank ) on a number of occasions regarding my situation. In XXXX of XXXX, still with no employment in sight, and all of my savings gone, I asked XXXX XXXX XXXX XXXX if they would be willing to temporarily put a hold on charging my account interest and over the limit fees. 
They repeatedly said they were not able to do so, despite my having been a stellar and responsible customer who paid on time prior. 
I spoke with Chase ( XXXX XXXX XXXX XXXX ) on the following dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Year Property taxes Tax assessment XXXX {$6700.00} XXXX % {$430000.00} XXXX % XXXX {$6500.00} XXXX % {$420000.00} XXXX % XXXX {$6300.00} XXXX % {$410000.00} XXXX % XXXX {$5900.00} XXXX % {$400000.00} XXXX % XXXX {$5800.00} {$400000.00} XXXX % XXXX {$5800.00} XXXX % {$270000.00} XXXX % Foreclosure type : Non-Judicial Recorded : Notice of Default on XX/XX/XXXXXXXX  Federal court I had a bankruptcy and my payments were supposed to be paid now I'm at foreclosure I don't understand why and I see accusive number three times has been created on my tax records but they're still asking me or taxes that's already been paid also they didn't add none of the payments

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 2025-02-07 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have an open ended equity loan for at least 6 years. I have a business and recently needed some money from my equity loan. I tried to transfer the money online from the equity to my regular checking account - was not able to process. 
I went to my local branch, was told it's active and they would try to assist. They were not able to proceed either, told me to contact their customer service department. 
I spent hours on the phone with them, transferred multiple times to other agents, still no solution. 
As of this date ( XX/XX/year> ) I still do not have the money and no one can assist me any further. 
This is completely not acceptable - I want to file a formal complaint against Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently, I chec

ked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.

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 2025-02-07 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: CA

Complaint narrative:
Recently, I chec

ked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX {$660.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2600.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My monthly bill was to high to pay, my job cut down my hours so it made it hard to pay the minimum. we could not come to a mutual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX, XXXX, XXXX has closed accounts on my credit report they also have XXXX hard inquiries I have no knowledge about besides XXXX they have XXXX closed accounts from Capital one and moneylion.com and a hospital dept collection I asking it be removed according to the law XXXX XXXX XXXX and Use Law XXXX ( a ) its not supposed to be on my credit report please contact them to have everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXX XXXX - XX/XX/year> I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.

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 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: KY

Complaint narrative:
On XX/XX/XXXX Edfinancial received a request from me to switch my plan from the SAVE plan to any other income-based repayment plan. I was advised by an Edfinancial representative, and XXXX supports, that I am allowed to switch out of this plan due to its legal status. Edfinancial forced me onto a forbearance in XXXXXXXX XXXX XXXX. I immediately called and asked to be placed on anything, even the full payment, so that my payments counted towards Public Service Loan Forgiveness. The rep I spoke to stated that if I didn't stay on the SAVE plan, I would have to make full payments but that they wouldn't count. I followed the news until I saw that I had an option. At no point has Edfinancial reached out to borrowers in my situation to give us options. Today, on XX/XX/XXXX, I received a letter stating that I was rejected for ALL income-based repayment plans. I spent a half an hour on the phone, the representative I called today ran me through all of the income-based repayment plan tools, and I qualify for XXXX, XXXX, and XXXX. She said she would forward my application to the " back office, '' and that I would have to wait what amounted to two more weeks for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IN

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
There are multiple inquiries tied to your company on my credit report that I did not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding the debt collection practices of RentDebt Automated Collections , LLC. 
RentDebt Automated Collections , LLC has violated my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have caused me significant stress and damage to my financial standing. 

Violations : Failure to Validate Debt : RentDebt Automated Collections , LLC placed a debt collection account in my name, associated with account number XXXX, without validating the debt, as is required under 15 U.S.C. 1692g. Despite my requests, RentDebt Automated Collections , LLC has failed to provide verification of the debt or confirm its accuracy. Inaccurate Reporting to Credit Bureaus : RentDebt Automated Collections , LLC reported this unverified debt to the three major credit reporting agencies as of XX/XX/year>. This reporting of inaccurate and unvalidated information violated 15 U.S.C. 1681s-2 ( a ) under the FCRA. As a result, my credit score has been negatively impacted by RentDebt Automated Collections, LLCs failure to ensure the information was complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting full verification of these accounts. If you can not provide verifiable proof that these accounts belong to me, they must be permanently deleted. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : Under 15 U.S. Code 1681g, I request full documentation, including any signed agreements or proof that I am legally obligated for these accounts. If such documentation does not exist, these accounts must be removed immediately.

FCRA Section 611 Request : Per 15 U.S. Code 1681i, you are required to reinvestigate these accounts within 30 days. If you can not verify their accuracy, you must delete them from my credit report immediately. 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AZ

Complaint narrative:
Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : Also Known As : XXXX, XXXX I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate 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 non-monetary relief