vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX the company took 2 withdrawals from my bank account. one for {$10000.00} and a second for {$10000.00}.

There was a problem with their app. I kept getting error codes while trying to schedule the loan pay-off. I called the company on XX/XX/XXXX to ensure the loan payoff would go through on XX/XX/XXXX. I was assured that the pay-off would happen and that there would be only XXXX payment. 

Checking my bank account on XX/XX/XXXX, I noticed the second unauthorized withdrawal. I immediately called the company and was given the run-around by XXXX. First they saw and acknowledged the second lump sum stolen from my bank account, then they refused to acknowledge the second withdrawal. The " supervisor '', XXXX, informed me it would take XXXX business days to research, but could be done faster given it was their mistake. 

I waited patiently for over a week for a response from them, then called again on XX/XX/XXXX. Was transferred around and put on hold many times until a " supervisor '' named XXXX came on the line. 
He was less than helpful, saying I would not get my money back until XX/XX/XXXX, if I get it back at all. Evidently it was still " under review '' as to whether or not they took ( or stole, if I don't get it back ) an unauthorized {$10000.00} from me. 

This is totally unacceptable for them to sit on my money after taking it, unauthorized, out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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
State: TX

Complaint narrative:
TODAY, XXXX, THERE WAS A DEBIT TRANSACTION THAT I MADE INTENTIONALLY FOR {$21.00}. HOWEVER, I FORGOT MY DEBIT CARD WAS " LOCKED '' BY USING MY XXXX BANK OF AMERICA APP AT THE TIME OF THIS TRANSACTION. THIS TRANSACTION WAS ALLOWED TO GO THROUGH AND DEBITED MY CHECKING ACCOUNT. THIS IS NOT THE FIRST TIME. THE REASON WHY THIS INCIDENT CAME TO MY ATTENTION WAS BECAUSE I WAS ATTEMPTING TO ADD MY BANK OF AMERICA DEBIT CARD TO MY CASH APP ACCOUNT, BUT IT WASN'T SUCCESSFUL BECAUSE MY CARD WAS LOCKED. I RECEIVED AN ALERT VIA EMAIL THAT THIS COULDN'T TAKE PLACE BECAUSE MY CARD WAS LOCKED. MY CARD WAS UNLOCKED AND RELOCKED ON XXXX @ XXXX XXXX  AND HAD BEEN LOCKED THE ENTIRE DAY XXXX UNTIL XXXX XXXX. THE PAYMENT OF {$21.00} WAS INITIATED AT XXXX XXXX, WHILE MY CARD WAS STILL LOCKED. I CALLED BANK OF AMERICA ABOUT THE PREVIOUS ISSUE WITH DEBIT TRANSACTIONS BEING PROCESSED WHILE MY CARD WAS PHYSICALLY LOCKED AND ASKED WHAT THE PURPOSE OF HAVING A FEATURE TO LOCK MY CARD WHEN A DEBIT TRANSACTION WAS ALLOWED TO BE PROCESSED. 
IF ANYTHING, IT SHOULD HAVE BEEN DECLINED AND THEREFORE ALERTED ME AND REMINDED ME TO GO AND UNLOCK MY CARD TO COMPLETE MY PURCHASE. BUT NO, THAT'S NOT THE CASE. THE ONLY THING THAT I RECEIVED FROM A PREVIOUS REP OF THE BANK OF AMERICA WAS THAT HE WOULD ESCALATE TO SEE WHY IT WAS HAPPENING. I RECEIVED NO FEEDBACK OR ASSURANCE THAT THE ISSUE WAS RESOLVED. I EVEN TOLD HIM THAT IF IT HAPPENED AGAIN, I WOULD FILE A COMPLAINT BECAUSE AT THIS POINT, I DONT FEEL THAT BANK OF AMERICA IS PROTECTING MY ACCOUNT AS IT SAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
When checking my credit score on experian, I noticed a significant drop out of nowhere. It was related to a random debt being put in collections by XXXX. I have never used their service nor even lived in an area with their service. However, when I reached out to resolve the issue and provide proof, they refused to help, talk, or even transfer me without account number or address which I obviously do not have. They refused to let me even confirm if they had an incorrect social security number and that is why it is ruining my credit. Highly unprofessional, very rude, and their incompetence hurts my financial situation as I am retiring from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as a result of a data breach. I recently discovered that my personal information was compromised, leading to unauthorized accounts or transactions that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as a result of a data breach. I recently discovered that my personal information was compromised, leading to unauthorized accounts or transactions that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Kriya Capital, LLC
State: OK

Complaint narrative:
There was an account opened XXXX with XXXX XXXX XXXX. They reached out to me I informed them it wasn't mine. Then a month later credence resource management. reported it to XXXX stating I owe {$1100.00}. I disputed but know change. so after second contact I was told to reach out to you all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
someone has my information and has been applying for things in my name without my consent! I have called Transunion on several occasions and they have done nothing about it! They will not remove the hard inquiries! I have placed a freeze on my credit report and a fraud alert They have accounts reporting on my credit that are fraudulent accounts! I have a fraud alert on my account and someone is still accessing my information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
I want the company to remove the inquiries in 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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XXXX XXXX, I made a purchase of {$140.00} on XXXX using my Discover credit card via XXXX. The order was marked as delivered, but I never received it. I first disputed the charge with XXXX, but they ruled in favor of XXXX based on tracking information that did not confirm my actual receipt of the package. 

I then filed a dispute with Discover, which initially ruled in my favor and issued a temporary credit while they investigated. However, after a month, Discover reversed the credit, stating that XXXX provided delivery proof. 

XXXX later indicated that my case was still open in their system, preventing them from offering a resolution. I contacted XXXX, but they claimed they never received any update from Discover regarding the dispute closure. Discover insists they updated XXXX, yet XXXX continues to say they have not received any update. 

Despite multiple follow-ups with both companies, I am stuck in a loop where : Discover claims they sent an update to XXXX XXXX claims they never received it XXXX wont provide a resolution while the case remains open I am seeking a resolution to this issue, either by obtaining a refund or having Discover provide verifiable proof of their communication with XXXX. The dispute process has been ongoing for over 4 months, causing unnecessary stress and financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late 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 non-monetary relief
Consumer complaint received 2025-03-10 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-03-10 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 explanation
Consumer complaint received 2025-03-10 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-03-10 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few 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 non-monetary relief