vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-27 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: PA

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called the bank today in regards to my disputes for {$7500.00} and was spoken to in XXXX XXXX XXXX I was very confused as to why I was being discriminated on because of my XXXX but this is linked to a dispute from Bank Of America EDD card I was very confused as to why every representative told me they couldn't wave my overdraft fee for {$36.00} also I was in the XXXX XXXX in XXXX, California and we were being helped and a banker told me how to 'pay my bills ' I feel like she harrassed me because I am XXXX and it made me feel uncomfortable like XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the bank on camera saying XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think I want my disputes forwarded to the manager and please fire her also I want a claim form for civil rights lawsuit I am XXXX please help anything helps for my pain and suffering. Thank you, 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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These acts 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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/XXXX. XXXX  I made a {$410.00} deposit into XXXX  exchange from my XXXX. I was able to right away purchase bitcoin with those funds and once I tried to transfer them to my wallet I received a hold notice. I contacted customer support and was told that the paypal deposit would take XXXX business days to clear and once it cleared I would be able to transfer and or withdraw funds and crypto. I received an email stating that the payment cleared and still I have no access to my crypto or funds. I have emailed support many times and not only do they lag on answering me but they keep giving me excuses why they cant and wont release the hold on my account allowing me to withdraw my funds. I want to be free of this company, they are a scam and they have several XXXX complaints against their company. I do not know how they are being allowed to continue stealing from people. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
electrical fire happened in XX/XX/XXXX at the time my uncle was living in the home at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 at the time of the the insurance company paid out 100 % of the policy amount of coverage for repairs on my uncles home. when mortgage company Bank of America released only the amount of XXXX XXXX dollars they said the remaining amount would be monitored but every time I have sent in estimated to complete the rest of the damages Bank of America claims department continue to refuse us the allotment sue to the fire damage now since this has happened a year later my uncle caught XXXX from negligence of the mortgage and from the transportation that was to transport my uncle to one hospital instead took upon them sleeves to take him to another where later was taken to the correct hospital a week later with a sever case of XXXX where he pass away on XX/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 2025-02-27 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Dispute of Debt and Civil Liability for Negligent Noncompliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute the validity of the debts associated with the above-referenced accounts, which your companies have reported and/or attempted to collect. I believe your actions constitute negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) 1681o, which establishes civil liability for failing to comply with its provisions. Basis for Dispute and Noncompliance Allegations : 1. Failure to Verify Debt I previously requested proper validation of these debts, yet your companies have failed to provide sufficient documentation proving their legitimacy. 2. Inaccurate or Misleading Reporting Despite lacking proper validation, your companies have continued reporting these accounts to credit bureaus, causing harm to my credit profile. 3. Failure to Conduct a Reasonable Investigation Upon disputing these debts, I expected a proper investigation, as required under the FCRA, but no adequate response or corrective action has been taken. Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA makes your companies liable for any damages I have incurred due to these violations, including any legal fees required to rectify this matter. Requested Actions : Provide full validation of these debts, including signed agreements, payment histories, and proof of your legal right to collect. Cease all collection activities until verification is completed. Correct or remove any inaccurate, unverified, or outdated information from my credit reports. Failure to comply with these requests may leave me with no choice but to pursue legal remedies to protect my rights under federal 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 non-monetary relief
Consumer complaint received 2025-02-27 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'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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 2025-02-27 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: FL

Complaint narrative:
After thoroughly reviewing my Equifax credit report, I have identified several fraudulent accounts that I never opened. These accounts were created using my personal information without my authorization, and their presence on my credit report is severely impacting my financial standing. These inaccuracies must be addressed and corrected immediately. 
The fraudulent accounts appearing on my Equifax report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no association with these accounts and have never authorized their creation or usage. The existence of these fraudulent accounts on my credit report is not only misleading but also a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). These false entries damage my credit history and prevent me from obtaining credit under fair and accurate circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX XXXX at approximately XXXX Hours XXXX I was having difficulty with my on line account at transunion. I called the customer service number and after verification I was transfered to an individual who asked the same verification information then asked me a series of multiple choice questions that were designed to verify who I was. He was difficult to understand and said that the answers that I gave did not match what he had in the files. When I asked for a supervisor in the United States he said that he could not transfer me to the United States. When I asked to speak to a supervisor he said because he could not verify my identity he would not be able to transfer me and suggested I call back and try the verification again.

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 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I have discovered a collection entry of {$12000.00} on my credit report attributed to IQ Data International. Upon further investigation, I found that this relates to a rental property where I was a secondary occupant, not the primary renter. I vacated the premises in XX/XX/ 2024. This outstanding balance pertains to my spouse, not me. Furthermore, the amount listed is inaccurate. I request verification of the correct amount. My spouse made a {$2000.00} deposit prior to moving in and consistently paid the monthly rent of {$2200.00} on time. I assure you that the rent was not six months in arrears. The information provided is false ; please verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I WOULD LIKE TO USE MY XXXX MATER CARD REWARD POINTS THAT I HAVE ACCUMULATED OVER THE LAST 6 MONTHS. THE CREDIT CARD COMPANY HAS NO MECHANISM IN PLACE TO REDEEM THE POINTS. THEY WILL NOT GIVE ME STATEMENT CREDIT. THEY TELL ME I HAVE TO USE THE POINT FOR PURCHASES ON XXXX. THERE IS HOWEVER NO MECHANISM IN PLACE TO DO THAT EITHER. XXXX REFERS ME TO THE BANK AND THE BANK REFERS ME TO XXXX. 

I AM NOT THE ONLY ONE THAT HAS THIS ISSUE. APPARENTLY THIS HAS BEEN GOING ON SINCE INCEPTION AND NEITHER XXXX OR THE BANK HAS RESOLVED THE ISSUE. I CAN NOT GET ANY GUIDANCE FROM EITHER PARTY. THE LAST SOLUTION OFFERED WAS TO OPEN AN XXXX WALLET.

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 2025-02-27 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This mix-up is highly concerning and has caused unnecessary stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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 recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This mix-up is highly concerning and has caused unnecessary stress and anxiety.

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 2025-02-27 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: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This mix-up is highly concerning and has caused unnecessary stress and anxiety.

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 2025-02-27 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: WA

Complaint narrative:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

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 2025-02-27 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: FL

Complaint narrative:
See document attachedThis is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

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 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief