vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Here is the list of fraudulent inquiries : XX/XX/XXXX2024 XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX2024 XX/XX/XXXX/2024XX/XX/XXXX XX/XX/XXXX/2024 XX/XX/XXXX2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing this complaint against XXXX for inaccurately reporting information on my credit report and failing to correct the issue despite my disputes. XXXX is reporting an account as charged off, but the information they are providing is inaccurate and is negatively affecting my credit profile. 

I have disputed this account multiple times, but XXXX has failed to correct or remove the inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to ensure that the information they report is accurate and verifiable. However, they continue to report this account incorrectly, despite my attempts to have it corrected. 

Requested Resolution : XXXX. Immediate Investigation & Correction I request that XXXX conduct a proper investigation and either provide verifiable proof of the accuracy of the charge-off or remove the incorrect information from my credit report. 
XXXX. Compliance with FCRA XXXX must comply with the Fair Credit Reporting Act and ensure that all reported information is accurate, complete, and up to date. 
3. Removal or Accurate Update of the Charge-Off If XXXX can not verify the charge-off with valid documentation, they must remove it from my credit report to prevent further harm to my credit standing. 

XXXX failure to investigate and correct this issue violates my rights under federal law, and I am seeking immediate intervention from the CFPB to ensure compliance. 

Thank you for your time and assistance in resolving this matter.

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 2025-02-06 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: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX XXXX put a collection on my credit report when in fact Ive never opened or had an account with them. They said the account was opened in XXXX of 2024 and thats not true. The original account was opened with XXXX XXXX and has since been closed and wrote off as prophet and loss and I asked for the 1099 form and I havent received that as of yet, I would like this collection company to be removed off of my credit report as soon as possible.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a mortgage and the credit bureaus shared my personal information without my knowledge or approval or ability to opt out which is the law. I have received no less than a 100 calls in three days of these unauthorized calls. It has been extremely disruptive to my work productivity and has caused financial harm.

This was not informed to me and it is my California right to opt out.

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 2025-02-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-02-06 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 2025-02-06 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: AZ

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 explanation
Consumer complaint received 2025-02-06 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: AZ

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/year>2025 while sitting down eating dinner my debit card declined. I immediately logged into my bank to figure out why my card declined what I discovered was that on XX/XX/XXXX through the XXXX my cash app was hacked. Someone requested money from my bank account to my cash app and took all my money out of my account and overdrafted my bank for over {$800.00}. I immediately called my bank shut down my debit card and call Cash app. I filed a dispute with both companies. Cash app closed down my account and denied my dispute saying that I must have authorized someone to steal all my money. Unfortunately, my bank told me that its up to Cash app to refund me. There are three fake accounts as well as about 35 different XXXX subscriptions that came out of my account in a 48 hour window. Cash app decided to close my account and are refusing to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. 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 explanation
Consumer complaint received 2025-02-06 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:
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.

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 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 2025-02-06 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: MD

Complaint narrative:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want reported accounts to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 2025-02-06 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: MD

Complaint narrative:
I want reported accounts to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity BankXXXX acct was paid in full over a year ago already {$4200.00}. 
With the promotional rate of 18 monts 0 %. XXXX has been paid in full. 
Now they are tackling the amount of {$7200.00}, on top of the {$4200.00} credit limit that has been Paid in full. 

I want this Company to remove this debt out my credit report, is not acurate. 
That amount is outrageous on a XXXX credit. it Seems that as soonest the debt was paid and promotion was up, they added this riduculous amount, thats predoratory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Around XXXX of XXXX, I contacted Bank of America to close my late fathers pre-paid debit card account, which had a balance of approximately {$12000.00}. The bank required me to complete several forms to process the account closure. I provided all requested documentation and followed their instructions. However, these documents were rejected multiple times for minor reasons that were not previous specified by other agents. Each agent I spoke to gave different, conflicting information on what documentation was required to close the account. I was also told I should have a case manager assigned and have a reference number as well, which I was never given and each time I called I was treated as if that it was my fault I did not have this information and at times agents refused to help me without this information. 

On XX/XX/XXXX, I called to follow up on the status of the account and Bank of America said they couldnt see the account anymore and noted that a check was going to on it's way and I should expect it by the end of the week. While they did state that the account had been closed, I did not ever receive confirmation of that. However, as of today, XX/XX/XXXX, I have not received the check and when I called to follow up, I was once again transferred to 4 or 5 different agents having to retell my situation multiple times with no help so I ended the call.

I have contacted Bank of America multiple times for an update. Each time, I have been told that the check should be arriving, but I have not received any tracking information, confirmation of issuance, or any clear resolution. The bank now claims they have no record of the account.

This delay has caused significant stress and concern, as these are estate funds that should have been distributed in a timely manner. Bank of Americas lack of communication and failure to disburse these funds raises serious concerns about their handling of estate accounts.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Heres your revised message with the additional request included : Subject : Unauthorized Cashing of My XXXXBank of America Check Dear CFPB , I previously filed a complaint with complaint number XXXX regarding an ongoing issue with Bank of Americas Prepaid Department XXXX My check was intercepted and cashed without my authorization. Unfortunately, I recently received an email from Bank of America stating that my claim had been resolved and denied. 

I was baffled by this decision, so I called Bank of America and spoke with a representative this morning, XX/XX/XXXX. The representative informed me that my claim was denied because I did not provide the check number and check date on the form they had sent me. However, I was not in a position to provide this information, as the check was intercepted by someone else. 

During the call, the representative provided me with the missing details : Check Number : XXXX Check Date : XX/XX/XXXX They advised me that I could now resubmit the Fraud Statement of Claimant with this information. These were the details that were missing from my original submission, and they were only provided to me today by a Bank of America Prepaid Department representative. 

I am writing to formally report that my XXXXBank of America check was compromised, leading to unauthorized transactions made without my knowledge or consent. When I contacted customer service to check my account balance, I was informed that my remaining balance was XXXX dollars. However, before my check was intercepted and cashed, my previous balance was {$12000.00}. I did not authorize or initiate any of these transactions. 

This unexpected and unauthorized activity has left me deeply concerned about the security of my account. I respectfully request an immediate investigation into this matter and ask that my account be safeguarded from further unauthorized transactions. 

Additionally, I would greatly appreciate it if this ongoing situation could be resolved promptly and if a replacement check in the amount of {$12000.00} could be reissued to me. 

Sincerely, 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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XX/XX/year>2024, I ordered a seat track from an XXXX Seller : XXXXXX/XX/XXXX XX/XX/XXXX, XXXX for short. I paid {$270.00} and change. I returned the item and XXXX said I won the dispute and provided an Aquired reference number XXXX to my bank JP Morgan Chase for the {$180.00}. I returned the item and Chase won't give me my refund of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I currently receive unemployment benefits from Pennsylvania. They assigned a bank ( XXXX XXXX  ) with an ATM card. They do not provide this type of account with an account number or routing number. This card at times will not allow certain transactions ( like paying a bill/credit card ). I have to go to my bank to withdraw from an ATM. There is a {$3.00} fee to withdraw. They limit the withdrawal to {$500.00} per transaction per day. They do have free withdrawals from XXXX but I am not comfortable withdrawing large amount of cash from a drug store in the XXXX. After my 3rd phone call I was told I could transfer money online for free. I tried their website and found the system wasn't working and I could register by downloading the mobile app. I did that. After registering I attempted to make the transfer. I entered my routing and account numbers ( triple checked for accuracy ) and the system responded with a rejection. I called customer service. They confirmed that I registered and they saw that I attempted to make a transfer. They also confirmed that the transfer was not done however they couldn't tell me why. I need help!!!

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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
Was previously contacted by XXXX via text message I told them to stop all electronic communications, and I would only accept communication via US mail. XXXX has ignored my request in violation of violation of state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act and sent me an email after I had requested communication only through US Mail.

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 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: MI

Complaint narrative:
My statement doesnt look right, looks like funds are missing & everything I purchased isnt on my statement + its been happening for months I thought the company would fix the issue but it seems they are stealing.

Company response to consumer: Closed with explanation