vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initially set up automatic payments for my Bank of America credit card many years ago. However, due to " inactivity '', my automatic payment set-up was dropped, which I was not aware of, nor do I know the when it occurred. I was only aware of it when I received a notice from my credit bureau ( XXXX ) today ( XX/XX/year> ) that my credit score had dropped XXXX points because of a late payment on my Bank of America credit card. Had I known that the Bank can drop automatic payments without my notice/consent for any number of reasons, I would never have set up or relied on automatic payments in the first place. When I contacted the Bank, they told me that there's nothing that they could do. This is absolutely anti-consumer and feels like a blatant scam. Especially, considering that I have a checking account with them with more than enough money to cover the credit payment. They never even made attempts to contact me about the late payment. Also, I tried to set up automatic payments but there is no option to do so on their website as of this writing. If there is an option, it is not accessible.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Did not do an due diligence investigation. There just ping ponging each other 's information back and forth to each other. EQIFAX has it charged off for the longest. Yet still impact my credit with negative marks. Which it's Re-inserted back onto my credit .to be reported to another credit Bureau and so forth ... Experian CHANGES FALSE NAME TO MY CORRECT NAME WHEN ASKED TO REMOVE INCORRET NAME. THIS IS SO THE CASE UNDER FALSE NAME IS ASSERTED TO MINE. I REQUESTED TO HAVE INCORRECT NAME & ADRESS TO BE REMOVED! YET THEY CHANGE TO MY CORRECT NAME TO MAKE STICK. THEN THE ADRESS IS INCORRECT & THEY RE-INSERTED IT INCORRECT! 
XXXX XXXX XXXX IS CORRECT. NOT XXXX XXXX XXXX. THERE IS NO SUCH ADRESS... BUT AFTER THEY GET THIS RESPONSE LETTER FROM CFPB, THEY'LL PROBABLY TRY TO CHANGE IT. AFTER THE 5 TIME IVE DISPUTED INCORRECT INFORMATION .UNDER 605B I DEMAND JUSTICE.

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 2025-02-02 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:
XXXX XXXX. This company has reported negative information on my credit report, which has adversely affected my credit standing. I have concerns regarding their authority to engage in debt collection practices in the state of Florida. 

According to Florida law, entities that collect or attempt to collect consumer debts owed to another party are required to register as Consumer Collection Agencies under Chapter 559, Part VI of the Florida Statutes. After reviewing available records, there is no indication that XXXX XXXX holds such a registration in the state of Florida. 

While XXXX XXXX is authorized to provide consumer loans in Florida, they are not authorized to act as a third-party debt collector. Given this, their reporting and collection activities may be in violation of state regulations. 

I request that the CFPB investigate this matter to ensure that XXXX XXXX is complying with all applicable laws and regulations. Additionally, I ask that any unverified or improperly reported debts be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX XXXX Citibank closed my account. I have called several times and they wont give me any information about when I should receive my money. It has already been about a month no letter explaining why they closed my account and when I would receive my remaining balance which is $ XXXXCitibank customer service is ridiculous and I am tired of wasting my time on the phone with them. I am going to try to go into a branch and see what I can do. I dont think it will help because this bank is ridiculous and somebody should do something about their disregard for their customers I have never dealt with a bank this bad.

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 2025-02-02 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: CT

Complaint narrative:
There was a collection on my account from early 2020. The same year, my identity was stolen and used to collect $ XXXX in pandemic relief funds in Arizona. When the debt collector contacted me, I insisted it was not my debt and they claimed the IP address and an electronic signature proved it was in fact my debt. I disputed this with both Experian and XXXX several times and after the first dispute, it seemed like they would automatically close the case before doing any investigation. I finally paid the debt off this year so I can get my score back on track but its really disheartening to know that these agencies do not do their due diligence for the 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 2025-02-01 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: FL

Complaint narrative:
I recently review a copy of my credit report I noticed that I have some fraudulent account along with some inaccurate information in my credit report. Please removed them they affecting my ability to obtain credit.

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 2025-02-01 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: MI

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
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This was a consumer transaction Title 15 subsection 16.11 False and misleading denial of my own credit Title USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
All possible Documentation of Unauthorized activity unauthorized purchases/transfers and identity theft Including Pdfs and images of the following Official records two emails accounts Including one belonging to chime account ( XXXX ) and the belonging password were both Officially involved in data breaches Security alerts of new logins to emails and cash app Same unauthorized transfers to two emails on both Chime and XXXX proving they were linked, the date those two email transfers on chime happened attempting to communicate to those emails and acknowledging I did not make those transfers and were completely unauthorized Monthly statements from XXXX showing unauthorized purchases and transfers and last 4 digits of my chime cards I had at the time Attempt at the date to reach out to cash app support that never investigated or refunded money despite providing all documentation asked Emails from XXXX support agent acknowledging he can't officially claim cash apps now proven illegal criminal activity Official Government site acknowledging XXXX data breaches and illegal activity As such after all the documentation from different sources I've given proving, that my phone emails and both XXXX XXXX and Chime were hacked were in Official data breaches you can see here and unauthorized purchases and transfers were made to email accounts I then messaged the unauthorized denying consent and authorization of those transfers And now as of XX/XX/XXXX the official government has factualized all my claims I made at the time of account hacks unauthorized purchases transfers data leaks XXXX XXXX and chime refususal to investigate and refund XXXX XXXX XXXX users who went through these things are now official government stated facts And to still Chime deny my claims saying no error was found would be illegal activity too. 
Most thefts were from XXXX XXXX XXXX XXXX XXXX money transfers to unknown emails while I was In the hospital in XXXX and XXXX, All information in the pdfs attached please read i spent hours getting all the info and please help make this right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the customer financial protection act ( CPFA ). Specially cash app failed to take timely and effective measures to prevent and addressed fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution was unfair and deceptive as they did nit comply with error resolution requirements under the 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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Information was previously removed from credit due to wrong Information. But was brought back from a company that I due not owe nor did I sign a contract with.

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 2025-02-01 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: CT

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 informed me that recovering the lost funds was impossible and that tracking transactions was unfeasible. The CFPB 's 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 serious concerns about consumer safety.

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

Complaint narrative:
Experian violated the fair credit reporting act XXXX, As listed on your lawsuit against Experian, Experian continues to put incorrect information and reporting incorrect items on my credit report. As stating any inaccuracy on the file to be removed. Experian continues to violate this as I have an open ongoing identity theft on my file. I have Experian credit freeze credit lock which I pay them a monthly fee to lock creditors from reporting back onto my file. They are failing to block creditors from reappearing on my credit file.

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Complaint Against Portfolio Recovery Associates ( PRA ) I am submitting this formal complaint regarding a debt Portfolio Recovery Associates ( PRA ) claims I owe. Despite multiple disputes and requests for documentation, they have refused to provide any verifiable proof or validation of this alleged debt. 

Request for Documentation I have explicitly requested PRAs Surety Bond and Forward Flow Agreementboth of which would validate their legal right to collect and report this debt. PRA has refused to provide these documents, offering no signed contract, billing statements from the original creditor, or any legitimate evidence tying me to this account. 

History of Disputes Multiple Disputes : I have disputed this debt with both PRA and the credit bureaus on multiple occasions.

Lack of Verification : Despite these efforts, PRA has not supplied any legitimate proof to verify the debt.

Continued Reporting PRA persists in reporting this unsubstantiated debt to the credit bureaus, causing harm to my credit profile. 

Potential Violations of FDCPA & FCRA FDCPA ( Fair Debt Collection Practices Act ) Under 15 U.S.C. 1692g, consumers may request written verification of a debt. PRA has not provided such verification, yet continues collection and reporting efforts.

FCRA ( Fair Credit Reporting Act ) Under 15 U.S.C. 1681i and 1681s-2, information on credit reports must be accurate and verifiable. If PRA can not validate the debt, it must be removed from my credit file.

PRAs refusal to provide legitimate verification and its ongoing reporting may constitute a violation of the FCRA. 

Harm Caused Credit Damage : My credit score and creditworthiness have been negatively impacted by this unverified and potentially fraudulent debt. 
Emotional/Financial Stress : I have experienced undue stress, potential loan denials, and higher interest rates as a result of these false entries.

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

Complaint narrative:
Credit card account charged off. Charge-off amount {$620.00}. Credit card company failed to provide Form 1099-C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: LA

Complaint narrative:
Im unable to review my credit score and credit report. Failed to update my credit report and credit score. Which violates the law.

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 2025-02-02 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: MI

Complaint narrative:
I file a complaint against Equifax for fairing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit Reporting Act ( FCRA ), 15 U.S.C ss 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I requested 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 non-monetary relief
Consumer complaint received 2025-02-02 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: TX

Complaint narrative:
My identity was stolen and I have gone through many companies to get Experian, Equifax and Transunion to help remove information that does not belong to me or accounts I have opened. But after many years not a single thing has changed whatsoever and the accounts are still there and it is affecting me negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My identity was stolen and I have gone through many companies to get Experian, Equifax and Transunion to help remove information that does not belong to me or accounts I have opened. But after many years not a single thing has changed whatsoever and the accounts are still there and it is affecting me negatively.

Company response to consumer: Closed with explanation