vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I are going through a separation. Part of that requires us to end our joint life insurance policy. My husband took a cash surrender of the policy and that automatically transferred half of the cash to my Bank of America account. I need to transfer a portion of it to him as part of our agreement. We are both Bank of America customers but have always kept our accounts separate. I set up a domestic wire transfer ( only obvious option ) from my account to his and made a successful " test '' transfer on the XXXX of XX/XX/year> for {$1000.00} and a fee of {$30.00} for the transaction. I then tried to transfer the remaining amount of {$30000.00} which failed. Apparently BofA 's own fraud department blocked the transfer. I called Bank of America 's fraud department twice yesterday during their business hours. The first time I was disconnected after holding for 20 mins. I then called back and after waiting for well over an hour, a recording advised me they couldn't take my call at this time and disconnected me at XXXX. I called again this morning and was on hold for 15 mins ( they said it would be 4-6 mins ) and then a recording came on again to say they could not take my call at this time and disconnected me again!!! Whilst I will stretch it enough to say, ok I can understand BofA wanting to protect me ( themselves actually ) but then to not give us a reasonable and expeditious way to resolve this challenge they created is ridiculous! HOW am I supposed to resolve this and free up my own money when they obviously do not have enough people to manage the calls. Not to mention the amount of time during my own working hours that I have to waste to resolve this only for them to keep hanging up on me. They should be heavily fined for blocking access to my own money!

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear XXXX, Re : Cease and Desist Request Regarding Credit issue I am writing to formally request that you cease and desist from reporting to my credit with false information. It has come to my attention that you are reporting to my credit about a loan that was charged off I assert that this conduct is a violation of rights, and I request that you immediately cease the described actions. Failure to comply with this request may result in legal action, including but not limited suing for statutory damages. 

I would appreciate it if you could acknowledge receipt of this letter and confirm that the offending activity will cease immediately. Please respond to me no later than XX/XX/2025. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed on my credit account statement for {$460.00} for XXXX XXXX XXXXXXXX XXXX, used on XX/XX/scrub>XXXX XXXX XXXX I have never received that service. I immediately notified my Citi Rewards credit card company and they said they will look into the matter and will credit my account in the meantime. I reached out to XXXX XXXX XXXXXXXX XXXX to gain information as to who the person was who stole my credit card information and fraudulently used my card ; however XXXX XXXX XXXX was unable to relay any information at all. At that time, I had locked my card while Citi stated they will issue a new card. In the next day or so, I was notified by Citi a declined purchase by an unknown store ( I can't remember the name of the merchant ). It was for an amount for over a {$1000.00}. I was extremely glad it got denied for someone was attempting to use my card again! Now suddenly I have the XXXXXXXX XXXX XXXX  charge of {$460.00} for XXXX, stating it has been reversed as investigation was completed. I called Citi stating I never used that merchant ; however now they say I never replied back with my dispute ( a letter they claim they sent me, which I never received ). I called multiple times again ; however, they still state it is a valid purchase. I believe the investigation on their part was poor as I am still being charged for this amount. Please assist in any way, thank 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 monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Dispute Experian and Equifax for the false investigation into this matter after it was reported.

Dispute

of Improper Reporting of Charge-Off Accounts and Unauthorized Accounts. These actions violate FCRA and IRS regulations regarding the treatment of charged-off debts.

Under IRS Regulation 26 U.S. Code 6050P, creditors who charge off a debt amount as taxable income to consumer- Cancellation of Debt. The debt is no longer legally enforceable and can not be reported as delinquent or due.

Once creditor has written off the debt as loss and claimed a tax benefit. Reporting charge-off debt as active or delinquent is a violation of federal law. 

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  Listed accounts reporting Active, Late Payments each month, Closed, and Charged-Off. All are reporting incorrect information and improper credit status, in violation of FCRA and IRS regulations 26 U.S. Code 6050P

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp is allowing fraud in my account and not properly investigating. I have contacted Cash App over XXXX month stand about a transaction made by my XXXX son and the XXXX merchant was fried. We never received the merchandise and the fraudulent merchant blocked us. XXXX erased their account. Cash App has done nothing to properly investigate nor return my money there was also a XXXX debit from my account and they cant confirm who or what it was for all they do is keep denying the transaction Request for my money and sending me email stating the dispute is closed because I havent reached out in XXXX days mind you this all happened in about XXXX hour

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
XXXX ) Payment made to flagstar same month did not apply to Roundpoint mortgage. ACH to return payment took more than 30 days until XXXX investigated payment had cleared on bank account. This caused a delay on payment for Roundpoint for XXXX and cascaded it to XXXX and XXXX. 
XXXX ) Service transfer letter was not received by me via email nor snail mail address to notify me of new mortgage. New address in a different state was not updated by current holding mortgage ( XXXX ). 
XXXX ) Confusion caused by the sell of XXXX out of the XXXX loans closed the same exact day with almost similar property addresses, payment amounts and balances, were on the website for XXXX and XXXX. This created a sequence of incorrect payments sent for the same month to both mortgages and funds were held without allocating correct payments to the mortgages and dates required. 
XXXX ) Please find attached documents reflecting XXXX payments made to flagstar for same month and ACH return request. 

Please recall the 30 day late report for XX/XX/year> and XX/XX/year> reflecting on my credit as this late payment was uncontrollable by me due to the lack of notification of service transfers and failure to return double payment made to flagstar which was intended to be transferred to Roundpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I thought I had resolved this issue with XXXX XXXX Credit Card company, I had gotten legal assistance to resolve this issue, it was removed then reinserted on my credit reports which has been nightmare and I am trying to get employment, etc. I made the mistake of requesting monetary compensation from them and I told the attorney that represents them that I still want this RESOLVED and REMOVED from all reports. They continue to LIE about the being sold, it was before but the third XXXX XXXX XXXX XXXX released the account back to them and the attorney for Upgrade had me sign an agreement with them to remove the accounts FROM any and ALL credit reports along with any 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 2025-02-04 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 thought I had resolved this issue with XXXX XXXX Credit Card company, I had gotten legal assistance to resolve this issue, it was removed then reinserted on my credit reports which has been nightmare and I am trying to get employment, etc. I made the mistake of requesting monetary compensation from them and I told the attorney that represents them that I still want this RESOLVED and REMOVED from all reports. They continue to LIE about the being sold, it was before but the third XXXX XXXX XXXX XXXX released the account back to them and the attorney for Upgrade had me sign an agreement with them to remove the accounts FROM any and ALL credit reports along with any records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I thought I had resolved this issue with XXXX XXXX Credit Card company, I had gotten legal assistance to resolve this issue, it was removed then reinserted on my credit reports which has been nightmare and I am trying to get employment, etc. I made the mistake of requesting monetary compensation from them and I told the attorney that represents them that I still want this RESOLVED and REMOVED from all reports. They continue to LIE about the being sold, it was before but the third XXXX XXXX XXXX XXXX released the account back to them and the attorney for Upgrade had me sign an agreement with them to remove the accounts FROM any and ALL credit reports along with any 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 non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XX/XX/XXXXXX/XX/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 2025-02-04 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: FL

Complaint narrative:
XX/XX/XXXXXX/XX/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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
the employment and name are not correct, i need removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-04 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Experian consistently responds within 24-48 hours stating that 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. Experian '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 ( File No. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure that Experian complies with federal law and provides consumers with the necessary proof of investigation. The following accounts listed are the accounts that I have disputed. 

Eastern Account System Fair Collections & Outsourcing LVNV Funding National Credit System

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 2025-02-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$8300.00} XXXXXXXX XXXX XXXX # XXXX  XX/XX/XXXX -- {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
in XX/XX/year> we have noticed limited access to our online mortgage account with our mortgage New REz ( act # XXXX ), and when printed the stmt we noticed change of name from our name of XXXX XXXX and XXXX XXXX XXXX with an address of XXXX XXXX XXXX, XXXX, Ca XXXX changed to XXXX XXXX XXXX XXXX, XXXX, Ca XXXX and added C/O XXXX XXXX XXXX  who we know as being an attorney representing the Plaintiff next door ). This was done without our consent and without our mortgage company notifying us of any of this. We have been calling them since XXXX of 2024, and when talking to them to find out what was happening they refused to discuss status and details of the account as if the account does not belong to us, but meanwhile we have full access to the account and were paying mortgage payments every month and tax and insurance. They told us that a counsel will contact us but we never heard from anyone. Today we tried contacting them and did advise them about our situation being impacted by XXXXXXXX XXXX XXXX XXXXXXXX, and living in my sisters bedroom with XXXX family members without any access to computer and fax machine, they are asking us to request this information in writing via computer or fax. we are going to go to XXXXXXXX XXXX XXXX and try to get this request sent to them via computer. But we are desperately needing your help in finding out status of our loan, who is modifying terms and contact info. I am sending copy of my most recent mortgage statement showing changed address. We can not get any information from them at this time.

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 2025-02-04 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: SC

Complaint narrative:
I am writing to formally Demand the immediate and permanent removal of the XXXXXX/XX/XXXX account # XXXX from my credit report. This account was previously Disputed, Investigated, and Removed under the FCRA, specifically under 15U.S.C. and 1681c-2 ( 605B ), due to data breach that compromised my personal information being. Despite clear legal obligations, Experian Has Illegally Reinserted This Account Multiple Times, along with other accounts that I had to keep disputing, demonstrating a pattern of reckless disregard for federal law. This is not only egregious violation of the FCRA but also aligns with the same unlawful practices cited in the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian for widespread FCRA violations including illegally reinserting accounts and failing to correct inaccurate information after disputes.FCRA Violation Committed by Experian 15 U.S.C. and 1681i ( a ) ( 5 ) ( B ) - Failure to obtain proper certification from data furnished before reinserting the account. 15 U.S.C. and 1681i ( a ) ( 5 ) ( A ) - Failure to notify me within 5 days of reinserting as required by law. 15 U.S.C. and 1681c-2 ( 605B ) - Illegal reinsertion of an account previously removed due to identity theft/ data breach. This have caused great grief upon me and my family for getting denied for credit or a home.

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 2025-02-04 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:
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 non-monetary relief
Consumer complaint received 2025-02-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There is an inquiry listed on my credit report that i have not authorized neither did i have knowledge of it. Some one tried to get credit in my name with out me knowing.

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