vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/year> they have contacted me 3 times in the span of 6 hours. They are calling me at least 20 times a week. I have communicated with them that I plan on paying when my tax returns are back, but they insist of spamming my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
this is in regard to Capital one credit cards and The date of the first delinquency that you have does not match the date that I have under 15 USC 1681 BE. tHEY MUST PROVIDE maximum possible accuracy and I am taking into consideration that the CFPB will be suing as well. I am also requesting full disclosure XXXX of my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
XX/XX/year> chime is holding funds sent to me from IRS and refusing to release, and threatening to hold funds and close my account, I was once told they'll reverse them back to irs but without any explanation. And I received a email at XXXX asking for personal information my 1040 tax State and an ID, I complied and that's when I was told they don't know what I was referring to, and that they will hold funds and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to express my concern with Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They inform me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety using their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
I have attempted to contact all three credit buerues by mail and mobile phone they have refused to comply to the law about fixing my credit that has been messed up by identity theft I have given them proof and they still have ni been willing to address the issue and pay any importance to my matter I have filed a report with the federal trades commission as well they refuse to address consumers issues caused by criminals in the world

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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 attempted to contact all three credit buerues by mail and mobile phone they have refused to comply to the law about fixing my credit that has been messed up by identity theft I have given them proof and they still have ni been willing to address the issue and pay any importance to my matter I have filed a report with the federal trades commission as well they refuse to address consumers issues caused by criminals in the world

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I want to know why close my apple credit card account. Specific reason. they say only this.There was a failure to comply with the terms of the Customer Agreement.I spoke with 4 supervisors on the XXXX and on the XXXX the head of the supervisors called me and he didn't know what to tell me other than that There was a failure to comply with the terms of the Customer Agreement. It's frustrating not knowing why they are punishing me. I have no option to know how to do things better?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
Equifax is inaccurately reporting two accounts and balances that do not belong to me : a XXXX XXXX account and a XXXX account. These accounts are fraudulent and are clear cases of identity theft, causing me serious harm. I assert that these accounts and balances are not mine, and I demand immediate action to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
On XX/XX/2025 a vehicle report and the charges on the report was not accurate. The vehicle did not have any marks as noted in the report. I was also charged for grilles and there was nothing broken. I been a customer for several years and never had these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol one high yield account freezing interest rates would like to be apart of class action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Was recently taken to court by JP Morgan Chase to collect {$14000.00} and lost. A judgment was ruled against me. 

The company constantly sent me increases in credit although I was struggling to pay my bill. I am retired, a XXXX veteran, and on a fixed income. 

They now threaten to take my vehicle, money from my protected bank accounts. All my income is derived from XXXX XXXX and Social Security. Please assist me in some way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AL

Complaint narrative:
I had a cash app account which was closed for no reason never was actually able to get in touch with an agent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Aadvantage Aviator Mastercard is the worst credit card. 
I will announce it on my next flight on XXXX XXXX. 
They push the card on every filght. 
They do not tell you that your APR will be 29.24 % and then it was raised without my knowledge to 29.99 %. 
Literally, stealing from people.

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 2025-02-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX ACCOUNT # XXXX, Has violated my Rights. 
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 WITHOOUT MY WRITTEN INSTRUCTIONS

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 2025-02-22 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX ACCOUNT # XXXX, Has violated my Rights. 
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 WITHOOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to direct your agencyand, by extension, the three major credit bureausto retain only information in my credit file that is current, complete, and true. Under the Fair Credit Reporting Act ( FCRA ) and related regulatory standards ( including Metro 2 data field reporting requirements ), I hereby demand that any information failing to meet these criteria be immediately deleted from my record.

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 2025-02-22 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: IL

Complaint narrative:
I am formally disputing the following inaccurate and unauthorized account appearing on 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist Bank is still reporting an old closed account on my credit report in the amount of {$340.00}, which is older than 7 years old. This is illegal and I want this item removed. I have already disputed this item multiple times and they unlawfully continue to keep it on 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 explanation
Consumer complaint received 2025-02-22 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB and credit bureaus, I am writing to formally dispute inaccurate information reported on my credit report. Below are the specific inaccuracies and their corresponding violations : Accounts : 1. XXXX XXXX XXXX  XXXX ( Account # XXXX ) o Charge-off reporting with a balance. This is a violation.

o Late payment records are inconsistent. Violation : FCRA 15 U.S.C. 1681e ( b ) - Credit bureaus must ensure maximum possible accuracy of reported data.

o DELETE THIS FROM MY CREDIT REPORT.

2. XXXX XXXX ( Account # XXXX ) o Reported 30 days late inaccurately. 
o Inconsistent balance reporting. Violation : FCRA 15 U.S.C. 1681e ( b ) - Credit bureaus must ensure maximum possible accuracy of reported data.

o DELETE THIS FROM MY CREDIT REPORT.

I request the immediate removal or correction of these inaccurate accounts from my credit report. Please provide an updated copy of my report reflecting these changes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved, the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished accepting unreliable responses and failing to adequately notify consumers of disputed outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian inaction violates federal law and my rights as a consumer

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 2025-02-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To TransUnion, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent account from my credit file.

Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I have attached a copy of my FTC Identity Theft Report and a copy of my government-issued ID for verification.

Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed.

Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX Last Four : XXXX Attachments : Copy of FTC Identity Theft Report Copy of Government-Issued ID Copy of Credit Report Highlighting Fraudulent Account

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 2025-02-22 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I just recently looked over my XXXX XXXX  account and I noticed that I have a fraudulent account listed there. I will be attaching an FTC report containing the said account XXXX XXXX  XXXX to be blocked FCRA 605B in 4 days. 
Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
I just recently looked over my XXXX XXXX account and I noticed that I have a fraudulent account listed there. I will be attaching an FTC report containing the said account XXXX XXXX  XXXX to be blocked FCRA 605B in 4 days. 
Thank you very much XXXX 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 2025-02-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ) XXXX $ XXXX XX/XX/year> Cash App Support Team Block , Inc . 

Subject : Appeal for Account Reinstatement and Recovery of Funds Dear Cash App Support Team, I am writing to formally appeal the closure of my Cash App account, which was recently deactivated with a remaining balance of {$100.00}. Upon checking, I noticed that my account is now showing a negative balance of - {$38.00}, and I am seeking clarification and resolution regarding this issue. 

I have been a loyal user of Cash App and have always strived to follow the platforms terms of service. However, I was not provided with specific details regarding the reason for my account closure or why my balance has changed. I kindly request a review of my case and, if possible, the reinstatement of my account. If reinstatement is not an option, I would appreciate guidance on how to recover my remaining funds and open my account back in good standing. 

Please let me know if any further information or documentation is required to assist in resolving this matter. I appreciate your time and assistance and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
On XX/XX/2024, I sent dispute letters to Experian, Equifax, and TransUnion, requesting the removal of inaccurate and unverified derogatory accounts from my credit report. Under FCRA 611, the credit bureaus are required to investigate and remove any information that can not be verified within 30 days. 

On XX/XX/2024, after not receiving a proper response or verification, I sent follow-up letters demanding proof of the disputed items or their immediate deletion. The credit bureaus failed to provide sufficient evidence to support the continued reporting of these accounts. 

On XX/XX/2024, I sent a final notice to the credit bureaus, reiterating that they were in violation of FCRA 609 and FCRA 623 by reporting unverifiable information and failing to provide proper documentation. Despite my repeated efforts, they have not removed these derogatory marks or provided legitimate verification.

It has now been over four months since my initial dispute, and the credit bureaus have failed to take appropriate action. Their inaction has negatively impacted my credit, and I am seeking immediate resolution through the CFPB. I expect the credit bureaus to provide a formal letter confirming the deletions and update my report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I made two XXXX payments totaling in the amount of {$2000.00} through Bank of America account to a person I thought was my friend but was not as My friends XXXX account was hacked by a scammer who banks at XXXX XXXX. 

I filed 2 claims with Bank of America immediately same day trying to dispute & was denied payment. I also informed XXXX XXXX  that the Victim below scammed me out of {$2000.00} and I need my money returned immediately. Bank of America said I needed to call XXXX XXXX and I am still to this day waiting on a follow-up call over 4 months now. 

XXXX Payment Info : Status : Paid XXXX payment through Bank of America TO : XXXX XXXX XXXX Amount : {$1900.00} Date : XX/XX/XXXX Message : Deposit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Confirmation # XXXX - {$1900.00} Confirmation # XXXX - {$20.00} I provided the name of the person who is associated with this fraud and trying to resolve with both institutions in a fashionable manner. If nothing is done within a timely manner, I have legal assistance through my employer will not have any choice but to proceed with legal actions. This is my hard earned money of {$2000.00} & feel the banks should look into this matter further more in depth, and money should be taken out of the persons account associated with this name & email.

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