vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX issued a check for {$6800.00} XXXX # XXXX XXXX XXXX XXXX same name as mine in XXXX XXXX the check bounced, Bank of America debited my checking account for {$6800.00} I called the bank at XXXX XXXX XXXX XXXX I was told by a bank rep thats theres nothing they can do to help me out that its a system debit that I have to deal directly with XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX the case number is XXXX. Please help me out XXXX XXXX XXXX XXXX retiree on a fix income.

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 2025-02-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-11 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-11 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: DC

Complaint narrative:
I am writing to file a complaint against Experian regarding their failure to properly investigate a dispute I submitted concerning inaccurate information on my credit report, specifically their inappropriate use of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) ( civil liability for negligent noncompliance ) in relation to this disputed item. I request your assistance in resolving this matter and having the inaccurate information deleted immediately.

In XXXX XXXX XXXX, I sent a dispute letter to Experian ( copy attached ) contesting the accuracy of the following item on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor : Rental/Leasing Original Amount : {$4300.00} In my dispute letter, I the bad accounting processes of XXXX XXXX and their XXXX of the XXXX XXXX XXXX XXXX . I stated that this account does not belong to me, and explained that the amount is incorrect and provided documentation showing the correct amount and the admitted error of the XXXX XXXX. I also specifically questioned the relevance of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) to my dispute, as I was simply disputing the accuracy of the information and not alleging negligence at that time.

Experian responded in XXXX of XXXX. However, their response was inadequate and did not address the core issue of my dispute. They simply stated that the information was verified without providing any details of their investigation, and They failed to address my specific concerns and supporting documentation. They have failed to properly investigate my claim. 
I believe Experian 's handling of my dispute violates the Fair Credit Reporting Act ( FCRA ). Their continued inclusion of this inaccurate information, particularly with the inappropriate reference to 15 U.S.C. 1681o ( a ) ( 1 ) ( A ), is causing Denial of credit and unfair higher interest rates.

Therefore, I respectfully request that the CFPB intervene in this matter and : 1. Direct Experian to immediately delete the disputed item from my credit report as a fair resolution to this problem.

2. Investigate Experian 's practices regarding the use of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) in cases where consumers are simply disputing the accuracy of 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 2025-02-11 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: DC

Complaint narrative:
I am writing to file a complaint against Experian regarding their failure to properly investigate a dispute I submitted concerning inaccurate information on my credit report, specifically their inappropriate use of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) ( civil liability for negligent noncompliance ) in relation to this disputed item. I request your assistance in resolving this matter and having the inaccurate information deleted immediately.

In XXXX XXXX XXXX, I sent a dispute letter to Experian ( copy attached ) contesting the accuracy of the following item on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor : Rental/Leasing Original Amount : {$4300.00} In my dispute letter, I the bad accounting processes of XXXX XXXX and their XXXX of the XXXX XXXX XXXX XXXX . I stated that this account does not belong to me, and explained that the amount is incorrect and provided documentation showing the correct amount and the admitted error of the XXXX XXXX. I also specifically questioned the relevance of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) to my dispute, as I was simply disputing the accuracy of the information and not alleging negligence at that time.

Experian responded in XXXX of XXXX. However, their response was inadequate and did not address the core issue of my dispute. They simply stated that the information was verified without providing any details of their investigation, and They failed to address my specific concerns and supporting documentation. They have failed to properly investigate my claim. 
I believe Experian 's handling of my dispute violates the Fair Credit Reporting Act ( FCRA ). Their continued inclusion of this inaccurate information, particularly with the inappropriate reference to 15 U.S.C. 1681o ( a ) ( 1 ) ( A ), is causing Denial of credit and unfair higher interest rates.

Therefore, I respectfully request that the CFPB intervene in this matter and : 1. Direct Experian to immediately delete the disputed item from my credit report as a fair resolution to this problem.

2. Investigate Experian 's practices regarding the use of 15 U.S.C. 1681o ( a ) ( 1 ) ( A ) in cases where consumers are simply disputing the accuracy of 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My XXXX XXXXXXXX account that was charged off was reporting incorrectly for multiple months. It was and still is reporting as charged off even though when I call them, they say that they sold the debt to XXXX XXXX XXXX, a debt collection company. 

On XX/XX/XXXX, portfolio recovery associates said that I was approved for a permanent hardship program and that they would cease collections on the account close it permanently marking it paid on my credit reports. 

On XX/XX/XXXX I pulled my credit report. The issue is in the discrepancy between this credit report and following ones. The XX/XX/XXXX credit report showed BOTH the XXXX XXXXXXXX account that was sold to XXXX XXXX XXXX, AND showed the Portfolio recovery associates account as paid off. If XXXX XXXX sold my debt, they are responsible for not be reporting it as an account that they currently own that is charged off, and therefore only the collections should be showing. 

However, as I mentioned, I was approved for the permanent hardship program after I applied for it in XX/XX/XXXX. To my surprise when I pulled my credit report in XX/XX/XXXX, both XXXX XXXX and XXXX XXXX XXXX were both showing as charged off accounts, and paid and closed that was on my XX/XX/XXXX credit report was no longer there. 

I am requesting that you remove both the XXXX XXXXXXXX account ending in XXXX and the XXXX XXXX XXXX ( XXXX ) account from my credit report among all three bureaus, especially given the fact that it was considered paid off due to my permanent hardship application through XXXX, the company XXXX XXXX sold my debt to. I called XXXX XXXX XXXX today XX/XX/XXXX and the representative told me verbatim that I am no longer liable for the debt. 

This discrepancy is negatively impacting my ability to fix and repair my credit and XXXX XXXX XXXX is refusing to furnish a physical letter saying that I was approved for this hardship program. Regardless, it was reported as paid off before in XXXX, so there should be no reason it is showing up as charged off or in collections when it is not either of those things. XXXX XXXXXXXX is also still saying as of XX/XX/XXXX that on their end the debt still shows as being sold and collected upon by XXXX XXXX XXXX. 

Again, the resolution I'm looking for is to delete both of these accounts off of my credit report since they have been satisfied, and the terms of satisfying the account include deleting the debt off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Dispute of Hard Inquiry on Credit Report Dear CFPB, I am writing to dispute an hard inquiry that appears on my credit report. The inquiry in question is from XXXX XXXX and was made on XX/XX/year>. I believe this inquiry is incorrect and should be removed from my report. I disputed it with XXXX XXXX and they resolved it in my favor however until now that inquiry still appears in my credit report. I contacted Experian as well but they said they haven't received any XXXX XXXX request to delete that hard inquiry. I tried to explain and provide the letter I got from XXXX XXXX but they explained me that they have to receive the deletion request from the financial institution ( in this case XXXX XXXX ), so right now, XXXX XXXX says they requested to delete the hard inquiry to Experian and Experian says they haven't received anything from XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled ( page XXXX ) and supporting documents that show why this inquiry is incorrect. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
RE : Immediate Removal of Fraudulent or Inaccurate Information Due to Data Breach Exposure To Whom It May Concern, I am writing to formally notify you that my personal and sensitive information was exposed as part of a significant data breach and I demand immediate action to remove any and all associated inaccurate or fraudulent data from my credit report. 
my personal data including but not limited to my social security number, address, and other confidential information was compromised as part of this breach. Under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to dispute the inclusion of any inaccurate, incomplete, or unverifiable information on my credit report due to this breach. 
I hereby request that you investigate and remove any information that was the result of this breach from my credit file. Please provide written confirmation of these actions and update me promptly on the status of my request. 
Failure to comply with my request will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the law. 
I expect your immediate response. 
Sincerely, Enclsures ; drivers license, data breach information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I submitted a XXXX XXXX to Repayment application for my student loans over XXXX months ago because my school, XXXX XXXX school of cosmetology, was disorganized, lacked proper teachers, and failed to provide an education that prepared me for the workforce. Despite this, Ive been waiting for XXXX months and my application is still in review. I was told that the process would take [ expected time frame ], but it has far exceeded that. 

Recently, I received a notice from my loan servicer stating that I am required to make a payment by XX/XX/2025. Since my application is still under review, I believe that my loans should be in forbearance or paused, as they are typically during the XXXX XXXX process. I contacted my loan servicer on months ago but they have not yet resolved the issue or provided clarity on why I am being told to make a payment. 

I am requesting that my loan servicer stop requiring payments while my XXXX XXXX application is pending and that they place my loans in forbearance until a decision is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app was asked to send disclosure about refund procedures and to provide disclosures on the fine print for these types of requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The State of California ended its Employment Development Department contract with Bank of America. Accountholders were to receive their funds returned to them via a XXXX Debit Card, a paper check or an electronic deposit. BofA has REFUSED to return my funds to me. BofA has responded that they still have my funds and are not paying me interest for the funds. My name, mailing address and phone number have not changed, there is no reason for BofA to withhold my funds.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MO

Complaint narrative:
On XX/XX/XXXX my TransUnion XXXX score was decreased XXXX points because a XXXX year old account ceased reporting. My infile with TransUnion is over XXXX years old and all my accounts are and have been current since a XXXX XXXX XXXX filing. I did not nor did any creditor close the account in question. I had to be a legacy or phantom account because it would predate the bankruptcy filing. Moreover my current oldest account is XXXX XXXX XXXX. Not a big difference for a consumer whose file goes back to XXXX. I understand the algorithm only takes into account raw data account age but the XXXX point reduction is egregious and terribly inaccurate as the XXXX year difference in oldest account age does not reflect my ability to pay now, moreover after contacting TransUnion twice they were unable to tell me what account was deleted or ceased reporting to cause the reduction. This is such a sudden and dramatic reduction I will affect my relationships with current creditors. At the very least the reporting agency should be able to divulge what happened, identify the creditor and furnish me that information. That said with a mere XXXX year difference and a stellar performance as a consumer the reduction should be reviewed and adjusted by a human being.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was contacted by someone alleging to be " Jefferson Capital Systems , LLC '' They were asking me for personal information over the phone, such as the last 4 of my SSN and my date of birth, both of which I refused to give over the phone to a complete stranger. I gave them a valid United States address that they could send a letter to. They said that this address did not match the one they had on file and they could not update it and send it there. They again rudely insisted that I provide sensitive information, such as the last 4 of my SSN and my Date of Birth, I refused to do this because I am not comfortable providing this information to an unverified source and/or to someone I do not know or trust. They would not provide me with information regarding my " personal business matter '' though I asked them several times and gave them an opportunity to mail a letter containing information about this matter to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX Is reporting a collection on my account that doesn't belong to me. I've asked them to provide proof that they have the right to this account on my creditreport. Like a copy of my drivers license. 
I was a victim of identity theft, and granted expunged record due to the misuse of my identity. The District Attorneys office in XXXX XXXX Granted my claims. A copy will be attracted.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
They took my personal information without my consent. They also took money from me and I never received it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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