vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This account was closed on XX/XX/XXXX after XXXX XXXX XXXX XXXX XXXXXXXX and couldn't make any more payments. However, Bank of America is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than 7 years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.

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 2025-02-25 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:
I noticed that when I pulled my credit report that their were fraudulent accounts on there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In regards to the complaint i raised with CFPB Complaint number : XXXX, I requested information on why it took so long to resolve my issue. Rather than responding, the issue was closed because the name change is taken care. 

I've been struggling with 'Citi Bank 's " Useless process of making Customer break their head for all their issues. I'm surprised how could they even survive for so long in the business. 

'Citi Bank 's " customer service representatives incorrectly updated my name in XX/XX/XXXX & I was unable to use my Credit Card in several places until XX/XX/XXXX. When I checked with 'Customer Service representative ' I was told that 'They can not do anything since its not in their hands '. Even after requesting them to escalate the issue ; I was transferred to the 'Escalation Department representative ' who puts me on hold and disconnects the call. This happened more than once. When I connected with Customer service through CHAT, they say, their scope is limited.

Until now, Citi did not take responsibility of their Actions ( I've shared the requested documentations twice once in XX/XX/XXXX & XXXX ). As per their timeline given; I didn't see they have resolved the issue both times until I created a complaint with CFPB. Now, my case was transferred to 'Executive Customer Service team ' Why didn't they show up earlier & also, they said the same message while requesting for why my issues has not been addressed for 6 months. XXXX from Executive customer team mentioned they are not sure on what happened & since they are the highest level for customer service ; there is no higher level where the issue can be escalated. ( When requested on why it took so long & what is Citi going to do about it? ) How can a big Organization treat customers this way & they don't even care of doing their work correctly or treating customers to resolve issues. It looks like, THERE IS NO WAY TO GET ISSUES RESOLVED, IF CITI MAKES A MISTAKE. YOU ALWAYS NEED AN EXTERNAL FIRM ( CFPB ) TO HELP FIX ISSUES. 
This is Insane. Totally Fed up with all their abuses. Both 'Customer Service ' & 'Executive Office ' claims they are the highest level. Is 'Citi Bank ' setting wrong expectation to those people who interacts with customers ( or ) they have a stupid leadership? 

Having shared all the follow up history ( 100 % failed ) to resolve my issues in Complaint number : XXXX ; I did not receive a valid response from either 'Customer Service ' or 'Executive Office '. Why is there a 6 months delay to take action on my request where I've shared all the requested details twice?

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 2025-02-25 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: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
This letter serves as a formal dispute regarding the alleged debt you are attempting to collect. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. 

Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. 

I expect a response within XXXX  days from the date of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MOHELA
State: KY

Complaint narrative:
on XX/XX/XXXX I sent 3 certified emails to each credit bureau XXXX, XXXX and XXXX stating my credit report has incorrect info. I paid The credit Team for a play book on how to dispute misinformation on credit reports and they sent me a packet which included letters to send to credit bureaus. Which stated that according to 15 usc 1681 : ( 5 ) that they are required to update and modify the details of each account listed and according to 150 sc 168.1 ( 5_2 that its a {$10000.00} per violation for non removal of incorrect information. 
There is XXXX XXXX  debt which has been paid due to homelessness and wasn't to be on report due to the Law. 
There is XXXX XXXX XXXX XXXX account {$480.00} which i don't have XXXX  has phone which i disputed with you and XXXX  so they know I don't have phone I have proof it was mailed certified Mailand they signed for it, XXXX  phone removed the debt then a year later XXXX XXXX which phone was from came back and lied on credit report stating I have possession of the phone which I'm with credit and use XXXX  phone.wow.Also XXXX  phone/internet for {$300.00} this is defiantly not my account I have been homeless for a year so who ever moved into that hose XXXX has acquired that debt, that lives in the hose, I have not use XXXX  for over 15 yrs and when I was in the home I used XXXX I only use XXXX internet service, I filed 3 disputes and they all refused to removed the false information and now they locked me out of my accounts so I cant freeze them are anything, they refuse to accept post office box for address but I'm homeless and dont have XXXX address. " I don't know what to do I paid companies to help me and now im loosing money, and most important to to bad credit reporting on my credit I cant rent apartment are homes because of bad credit, also my student debt was erased but XXXX debt collecters picked up {$86000.00} from XXXX " This is a major cause of homelessness. " all the apartment and projects housing programs XXXX XXXX was due to my credit report '' I cant even prove my Identy because it has been stolen and Im on the XXXX web a person XXXX XXXX hacked my XXXX  account also my phone number, so who can you trust, No One I have for help to no avail.. Please help me Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-25 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-02-25 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: TX

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 2025-02-25 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:
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 2025-02-25 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-02-25 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
XXXX. Detailed history of payments made by me on this account, XXXX. Original contract with my signature claims filed on this debt. 
XXXX. Have there been any insurance claims filed on this debt XXXX. The Purchase Agreement XXXX. Proof of the chain of title you have to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-25 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-25 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-25 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: MS

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 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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account without providing a valid reason, despite my compliance with their terms and conditions. They are now holding my funds for 120 days without proper justification. 

Background : I had an active and verified PayPal account that was in good standing. 
Prior to the restriction, I contacted a PayPal representative, who reviewed my account and increased my spending and receiving limits to ensure I would not face any unexpected restrictions. 
Despite this assurance, my account was later restricted permanently without warning. 

Actions Taken by Me : I submitted evidence proving my innocence against an alleged violation. 
PayPal ignored my evidence and upheld the restriction without a proper explanation. 
I contacted PayPal multiple times, but they only provided generic responses, failing to justify their actions. 
They stated that my funds would be held for 120 days to cover potential disputes or chargebacksyet no such disputes exist on my account. 

Violation of Consumer Rights : PayPal is withholding my funds unfairly without proving that I violated any policies.

Their actions violate their own User Agreement, which states that restrictions should be imposed only when a clear policy violation has occurred.

The Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 ) and the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 ) protect consumers from arbitrary fund holds and restrictions without clear justification. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank XXXX XXXX card ) refused to update account to correct information. They are re-aging the account, and not updating date of first delinquency to XX/XX/XXXX. They have repeatedly lied to me saying that the account is in-statute, when it has became out-of-collection statute in XX/XX/XXXX. They lied and said that the debt was collectible until XXXX, which it is not, due to a XXXX  year collection statute in both California and Pennsylvania. When I repeatedly asked them to update their system correctly ( filed over a XXXX  complaints with them ) they refused to do so.

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