vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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 am writing to notify you that I have been a victim of identity theft, which has led to multiple unauthorized accounts being reported on my credit file without my knowledge or consent.

The accounts in question include : [ XXXX XXXX XXXX XXXX ] Account # : [ XXXX ] [ XXXX XXXX XXXX ] Account # : [ XXXX ] [ XXXX XXXX XXXX ] Account # : [ XXXX ] [ XXXX XXXX ] - Account # : [ XXXX ] I have submitted an FTC Identity Theft Report and am requesting removal of these accounts under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am a real estate investor currently in the process of purchasing property in XXXX. In XX/XX/year>, I initiated an international wire transfer from my joint checking account with Bank of America in the U.S. to a XXXX bank account, as instructed by the developer, to cover the initial down payment. 

As of today, XX/XX/XXXX, XXXXfive months laterthe funds have still not been received by the XXXX bank. This delay has put me at serious risk, as the developer is now threatening to cancel my contract due to non-compliance with the agreed payment schedule.

This situation has caused significant emotional and financial stress. I have had to borrow additional funds to make a second payment, and yet the original transfer amount has not been refunded. Despite my repeated attempts to seek assistance, the regional Bank of America office and other representatives have been unresponsive and have failed to take responsibility.

This is unacceptable. I urgently request immediate action to locate and return the funds to my Bank of America account. Please treat this matter as a high priority.

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 2025-04-11 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-04-11 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
b'I got a very legitimate looking communication in conventional mail about a home insurance debt owed of XXXX XXXX. This amount is very close to my actual home insurance premium that I already paid. The company is Credit Collection Services - XXXX XXXX XXXX XXXX XXXX XXXX. The website is XXXX and call center is listed as XXXX XXXX XXXX. The return address on the envelope is XXXX XXXX XXXX XXXX XXXX XXXX. The communication includes vague references to a past due account remaining unpaid with no specific account number. However there are references to legitimate looking file numbers and pins which imitate numbers found on legitimate documents. My name is also on the supposed debt collection notice but my last name is not remotely spelled correctly nor is it a typo I would ever make. The document looks very official and would easily fool someone.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this formal complaint against the national credit reporting agencies due to their failure to comply with my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B / 15 U.S.C. 1681c-2.

My Identity Theft Report ( FTC Report # XXXX ), government-issued ID, and proof of address were submitted to the credit bureaus. Despite this, they have failed to permanently block and remove the following fraudulent accounts and personal information within the 4 business days required by law.

This continued reporting of false information is a direct violation of federal law. Under FCRA 605B, the credit bureaus are not permitted to reinvestigate this information once a valid identity theft report has been submitted. They are legally obligated to block the information and send me corrected reports within 15 calendar days.

Their failure to comply is not only negligent but also willful. I am requesting your urgent intervention to enforce the law and ensure the immediate and permanent removal of all fraudulent data. I am also requesting an investigation and penalties for each violation, as allowed under the 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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
XXXX is backed by XXXX XXXX. 

I was supposed to receive two transfers from a Revolut customer ( XXXX ). Both were sent on XX/XX/year>. One for {$500.00} and the other for {$720.00}. I received the one for {$500.00} but not the one for {$720.00}. I reached out to Revolut and was told that they could not talk with me because I am not the customer. I was told to contact my bank which I did. My bank ( XXXX ) was not able to do anything because the {$720.00} was never received. XXXX informed me to tell Revolut to track the money and file a claim through XXXX. I informed Revolut but they are refusing to do this and instead told me to call the authorities. 

I spoke with the customer ( XXXX XXXX ) and had her contact Revolut. Initially they told her that I received the {$720.00} but not the {$500.00}. I had her inform Revolut that that is not correct. She did this and asked Revolut to track the money. Revoluts response is that both links were used to claim the money so everything is complete. No one is disputing that the links were used. The dispute is that the {$720.00} transfer was never received. All I want is the money that was supposed to be transferred to my account.

I do not understand why this is such a difficult request. I should not have to go through all of this stress to receive my money. All that needs to be done is to track where the money actually went. XXXX said that they never received it so Revolut needs to file a claim with XXXX to find my money. This way Revolut and XXXX can work together to track down my money. 

Revolut is refusing to assist in any way. They will not track my money despite me sending proof that it was never received and the customer letting them know theres an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a veteran with a 90 % VA XXXX rating for XXXX and other conditions, and Im trying to rebuild my financial life after serious struggles tied to my mental health following XXXX. 

In 2022, my Navy Federal account was closed due to an incident that occurred during a time when I was undiagnosed and untreated for XXXX. I recently submitted a goodwill removal request to Navy Federal asking for the associated negative report to be removed from XXXX or XXXX XXXX XXXX. 

I attached my official VA Benefit Summary Letter and explained that the issue was connected to XXXX XXXX XXXX  struggles. Instead of reviewing my request, I received an auto-reply stating that the Fraud Department could not help. When I followed up by phone, I was repeatedly transferred, denied proper assistance, and not given access to the department that handles reporting or goodwill removals.

Additionally, I can not reset my online account due to not having my old debit card, and Navy Federal refuses to assist me in regaining access.

I am simply asking Navy Federal to consider removing a negative report related to a past incident that occurred under XXXX XXXX  circumstances. Ive done my part in trying to take responsibility and show proof of my progress. I am now reaching out to the CFPB for help getting this request properly reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I paid the amount and it was not reported incorrectly. It is not accurate from Credit Fresh it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I requested late payments to be removed from my account and they said they would do it for a fee i payed that fee and the late payments were not removed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-04-11 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was 1st sent a USA postal mailed letter- I received- XX/XX/XXXX 2019- the letter was said sent on Bank of America letter head- The letter in evidence in my CFPB portal- Stated Bank of America WAS taking action turn me into / XXXX XXXX as well as a XXXX XXXX XXXX Bank of America stated in this letter/ how this MAY AFFECT YOU/ 1- DESTROY MY CREDIT-2- MY REPUTATION 3- NOT BE ALLOWED TO WRITE A CHECK-4- ALSO ( STOP ME FROM- FROM BEING ALLOWED TO EVEN OPEN A CHECKING ACCOUNT ANYWHERE AT ANY BANK FOR-up to 5 years. ) on XX/XX/XXXX 2019- Bank of America management agreed - per evidences- I WAS DEFRAUDED- BY MY AUTO ins co- KINDLY ALLOWED ME- per s evidences ( a sworn statement-of what all_ I had a RIGHT TO EXPECT as bank Of America themselves as aforsaid ( Agreed by EVIDENCE I ALLOWED BOA TO STUDY READ REVIEW ( allowing 2 plus hours SPONSORED AS WELL AS KINDLY ALLOWING ME TO REMAIN IN BOA BRANCH AFTER THE BOA BRANCH LOCKED- doors to public, to Comply- to, finalize a ( as said 11 day Minimum RECORDED INTO BOA RECORDS A FRAUD INVESTIGATION- Unfortunately per evidences at, my auto insurance co, NAMED XXXX, in evidences Bank of America stated the fraud investigation began on XX/XX/XXXXXXXX XXXX XXXX 2019 , that I understand being boa manager XXXX XXXX XXXX allowed after hours on XX/XX/XXXX 2019- Late XXXX in contemporarys timing scrambled jets I HAVE RECORDS- promise unkept- to pay for this 1 fraud- forget them- my question is WHY WILL EVERY BANK SAY WELCOME XXXX XXXX your banking history is EXCELLENCE PERIOD- not once as my mom had to sign on my 1st check account WHY AT XXXX XXXX XXXX she had too. I never per evidences ever bounced a check never ever was threatened- NEVER IM NOW GOING TO BE XXXX and farthermore I CAN PROVE BY MY FINANCIAL STATMENT CPA CERTIFICATION I HAVE - prefet records in handling MUTI millions $ though several or many banking accounts at the same time And never ever- bounced 1 check much less - OVERDRAFT 1 account- THE BOA BRANCH LOCKED DOORS TO PROVE TO INVESTIGATE WHY BOA ALLOWED XXXX TO OVERDRAW MY ACCOUNT - BOA THEMSELVES BOA MANAGERS AGREED- why? By prima facia evidence I WAS DEFEAUDED - no where in Bank of Americas own managers ALOWED SWORN STATEMENT DID IT EVER IMPY THAT I WOULD BE THREATNED- no I was by boa management THE CONSUMER FRAUDED- In this portal - is evidence downloaded many times sure called ( seemingly a duplicate. ) well Read it- Bank of America DID NOT STOP WITH THE USA POSTAL THREATENING- no indeed and its in This CFPB In may- its A FEDERAL & criminalized by passed legislation to THREATEN AMYONES REPUTATION period - Bank of America went much farther

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 2025-04-11 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: FourLeaf Federal Credit Union
State: CA

Complaint narrative:
I have a 2nd home mortgage at Beth Page/ Four Leaf bank in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX. 

I have a second home loan from XX/XX/year> for my second home/vacation home. My family situation has changed, so I wanted to find out if I can rent property. I asked bank and got different answers. But on email, they said not for long term, but short term. They sent me the rider. I reviewed rider, had an attorney review and researched. Based on wording, I should use it for first year and can do short term rental, and after 1 year the second home rider restrictions do not apply. I tried to speak with them and ask for letter in writing why they are not following terms of loan and I am not getting answer. I am attaching the second home rider and an Article from XXXX that explains that after one year, based on the rider made by XXXX XXXX. - you can rent a second home after 1. year. However, bank is not following terms of the agreement.

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 2025-04-11 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: Harris & Harris, Ltd.

Complaint narrative:
XXXX XXXX XXXX , Harris & Harris, XXXX, XXXX XXXX, XXXX XXXX XXXX. I looked at all three credit report agencies XXXX, XXXX, XXXX on XXXX XXXX, and noticed are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TrueAccord Corp.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trueaccord Corporation, XXXX XXXX XXXX. I looked at all three credit report agencies XXXX, XXXX, XXXX on XXXX XXXX, and noticed are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are supposed to 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 explanation