vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( XXXX ) : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.

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 2025-01-21 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: MO

Complaint narrative:
I am writing to formally dispute the inclusion of a bankruptcy on my credit report. Upon reviewing my credit file, I noticed that a bankruptcy has been reported under my credit history. This information is inaccurate, as I have never filed for bankruptcy. 

In addition, it is my understanding that the Bankruptcy Court does not report information about bankruptcy cases to credit bureaus and does not verify the accuracy of information maintained by credit bureaus. Therefore, the presence of this information on my credit file may be due to an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I request that you investigate this matter promptly. If you are unable to verify the accuracy of this bankruptcy entry, I demand that it be removed immediately from my credit report. 

To assist with your investigation, I have attached a copy of my driver 's license, proof of address, and a copy of the relevant portion of my credit report highlighting the incorrect bankruptcy entry. 

Please notify me of the results of your investigation as soon as possible. I expect this matter to be resolved promptly, and I request written confirmation of the removal of this inaccurate information. 

Thank you for your attention to this matter. Should you require additional information, please contact me at XXXX Sincerely, 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customerservice and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to taketimely and effective measures to prevent andaddress fraud on their platform, leaving myaccount vulnerable and unprotected.

Furthermore, their dispute resolution processwas unfair and deceptive, as they did notcomply with error resolution requirementsunder the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actionshave caused significant inconvenience andfinancial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I disputed an unauthorized transaction with Bank of America. The total of the transaction was XXXX. A bank of America associate mishandled the claim, and added transactions that I did not ask to be added to the claim. These transactions were from the same merchant. The two transactions that were added to the claim without my consent were more than 60 days old which made my claim invalid. Instead of the claim total being XXXX, it was instead XXXX. Due to this mistake by Bank of America, my original claim request for XXXX had to be re-filed. Because the mistake was made first, my original claim for XXXX was closed immediately and denied because it was a duplicate. None of this should had happened. There should have only been one claim for the amount of XXXX. I sent in a complaint letter explaining the costly errors Bank of America had made, and the claim that I originally attempted to submit was reopened. Today it is XX/XX/XXXX and I received notification from BOA that this claim had been closed per my request. I never made this request. I am very disappointed and frustrated to still not have this problem solved and my account restored. I have called in and was not given any explanation or information that can help me. This is by far the worst banking experience I have ever had. I have still not recovered my funds or been updated as to why my claim is now closed. I was hung up on by an associate who was very unprofessional. Its been months of dealing with this and I have not been able to live comfortably or use my account because of Bank of Americas unwillingness to correctly do their job. Again, my claim is now closed, and I have no idea what to do now as this is the second time it has been closed without any good reason. I was told my fund were being recovered for the past month and this turned out to be a complete lie. I was contacted by a resolution specialist named XXXX XXXX from BOA after submitting my first complaint to the CFPB. XXXX XXXX assured me these things would be handled properly and that she would be my point of contact throughout this situation. I have not heard from her in weeks and she has not returned my calls at all. This entire experience has been really stressful and frustrating. Bank of America has been completely unhelpful, untruthful, and unprofessional and I demand something be done. I have been a victim and Bank of America has not valued me as a client at all. I am demanding my money back. I do not understand how I have absolutely no information on this claim after almost two months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMO BANK NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In XX/XX/XXXX I purchased a RV trailer from XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX for an amount of {$60000.00} on a 9.24 % interest rate term of 240 months with BMO Bank/XXXX XXXX XXXX XXXX . My monthly payment is {$550.00} with a daily periderm of {$14.00}?? ( something cent ). I have made payments greater than the monthly payment regularly and none of the extra money went to the principal amount, nor credit to the next monthly payment. I have a complete history of payments and nine of them have 100 % went to interest, not a cent to my principal amount. My current amount owed for the loan ( XX/XX/XXXX ) {$58000.00}! I am in negative equity amount of $ XXXX now! When I spoke with the bank manager, XXXX XXXX XXXX : XXXX, she originally told me that something was wrong with the amounts and would look into it. After a week, she told me that they set-up the loan to be paying interest up front ( like a mortgage loan ). I have had many of those and have never had anything like this. She then tried to explain that because I was late on a few + {$30.00} late fee, I was accruing additional interest. That was the reason for the different principal/interest amounts for each payment and the reason for all NINE payments of 100 % interest payment to the bank loan. She then told me that I have fallen a month behind on the payments and that was another reason for the payment amounts to principal/interest. As of XX/XX/XXXX I am now ahead on payments and after I have raised concerns about the disbursement of payments, my last payment broke down as follows ( XXXX XXXX XXXXXXXX $ XXXX {$220.00} ). My payment history of Principal/Interest is either 100 % interest or more interest than principal. I would like all my past payments to be revised and/or the loan restructured!!! I want the credit of payments to be corrected, so I am not financially stuck with a predatory loan and the years it would take to get out from the absurd amount of negative equity this loan has caused. I have also requested all payment history and an amortization of the payment with no response. They BMO web account will only give me eight months of payment history.

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 2025-01-21 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 y 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 2025-01-21 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: VA

Complaint narrative:
Experian disregard any dispute they place information on credit report regardless if you dispute it they verify information XXXX cant verify I have a credit report that is not mines and experian is giving me accounts payment history credi util credit mix payment history Closed accounts can be charged off and when you dispute it it turn to open balances accounts that have never had with a balance that you cant even get if you apply

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have continued to communicate with the credit report agencies TransUnion and XXXX but they continue to state that the report is correct which it is not. I have provided the closing statement for the creditor in question and no changes have been made.I have uploaded the balance shown on XXXX that TransUnion and XXXX should be similarity reflecting.

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 2025-01-21 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: VA

Complaint narrative:
I have continued to communicate with the credit report agencies XXXX and Equifax but they continue to state that the report is correct which it is not. I have provided the closing statement for the creditor in question and no changes have been made.I have uploaded the balance shown on XXXX that XXXX and Equifax should be similarity reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cactus Jacks Auto Sales
State: CA

Complaint narrative:
This information is incorrect on my credit report. This account has been discharged and is no longer owed by me. I requested validation and verification of this account with no response. This account is negatively affecting my credit report and score. Under the Truth and Lending Act- here are the violations that have taken place ; 15usc 1681 Accuracy of fairness of credit report. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15usc 1681b Reasonable procedures.

It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

15usc 1692A consumer has a right to privacy 15usc 1692A-3 a natural person alleged to owe a debt 15usc 1692A-2 communication via any medium 15usc 1692A3 the term creditor means any person who extends credit - creating the debt 15usc 1692A5 A debt is any obligation or alleged obligation therefore, you can not prove it so you must remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I HAVE SENT SEVERAL LETTERS SINCE XXXX REQUESTING A COPY OF THE SIGNED APPLICATION WITH MY SIGNATURE. THE COMPANY HAS NOT PROVIDED THIS INFORMATION THEY ARE IN VIOLATION OF THE FCRA LAWS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I missed an email saying that my Citibank savings account would be deactivated if I didn't use the account in XX/XX/year>. When I needed money from this account in XXXX of XXXX  I sent in the notarized form they emailed to me to get the account reactivated. After a couple of calls to customer service, they told me to write a letter and told me word for word what to put in the letter asking for it to be removed from an inactive status. They provided the address, and I had it notarized again. That was sent regular mail on XX/XX/XXXX. They told me it should be reactivated again within 14 business days. I still has not been activated. I have called 4 times since those 14 days have been up. Each time they tell me they will email the back office to check on the status of reactivating the account and promise to call me back. No one calls me back. I live in XXXX, XXXX  hours and hours away from the closest branch. I don't know what else to do, but the situation is beyond frustrating.

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 2025-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the continued presence of the account listed below, which remains on my credit report despite your previous investigation. I believe the information is inaccurate and detrimental to my credit score. As such, I respectfully request that the account be immediately re-investigated. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section 611, I am requesting that you provide the names and business addresses of each individual or entity with whom you have verified this account. This is to allow me to follow up as necessary. 

Furthermore, please provide me with an updated copy of my credit report reflecting the results of your reinvestigation, as required under the FCRA. 

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation