vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Used XXXX at Bank of America to purchase a XXXX XXXX XXXX, exactly what I told Bank of America. I thought I was paying a company told to the BOA XXXX Security People. At no time till the XXXX transaction did they tell me that the emails I was sending the payment to were not company emails till the 4th attempt to send a payment. 

XXXX : Payment to : XXXX XXXX email : XXXX amount : {$1000.00} Confirmation Number : XXXX Date : XXXX XXXX, 2024 Purchase of a XXXX XXXX XXXX XXXX XXXX XXXX : Payment to : XXXX XXXX email : XXXX Amount : {$990.00} Confirmation Number : XXXX Date : XXXX XXXX,2024 Purchase of XXXX XXXX  for transport of the XXXX. 

XXXX : Payment to : Premium Global Cargo recipient : XXXX XXXX email : XXXX Confirmation Number : XXXX Amount : {$870.00} Date : XXXX, 2024 Please Note was the 1st time I used this app and every time I called the XXXX support number for BOA they asked a few questions and oked the transfer for the transactions. 

I called the fraud department and at not time till I contacted them did they tell me that the email addresses were not business emails or I would not have sent any money. I feel BOA dropped the ball on a unsuspecting customer. BOA said they would investigate but in only a few days I got a letter stating unrecoverable and thay would pursue the matter. They never got back to me Thanks 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 monetary relief
Consumer complaint received 2025-02-02 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: Colony Brands, Inc.
State: FL

Complaint narrative:
Information is being reported inaccurate. On my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There was a Capital One Offer for XXXX, a language learning site. The offer would award XXXX capital one miles for a free signup with XXXX. No purchase was required per the terms and conditions. I signed up, and did a few language courses, but ultimately decided it wasn't for me and canceled the subscription/trial a few weeks later. Capital One awarded XXXX miles on XX/XX/year>2025, but clawed them back on XX/XX/year>2025. This is completely against the terms of the offer, and I still met the minimum terms to earn the XXXX miles.

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

Complaint narrative:
When assessing my report on Experian platform the accounts show up twice for the same account number. Then Experian removed an account that I disputed in XXXX of XXXX for XXXX XXXX and 2 weeks ago it was back on my report. Not only all of this but all the negative infractions on my report are dated back to XXXX whenever I was going through identity theft. Luckily I was able to remove a address and many aliases I was unaware of. This has caused me significant issues with obtaining credit lines and it is very frustrating

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 2025-02-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Experian for Inaccurate Reporting Dear CFPB, I am writing to file a formal complaint against Experian regarding their handling of my credit report regarding my XXXX. The information indicates that the account was opened in XX/XX/XXXX and was paid and closed without any late payments. However, it appears that this item was deleted from the report as of XX/XX/XXXX. 

If you have specific questions about this report or need assistance with understanding credit reports, feel free to ask! 

It is unreasonable for any consumer to have a positive payment history erased from their credit report. 

This situation is exacerbated by the contradictory statements I have received. For instance, I was informed that my account had been verified as accurate while simultaneously being told that this item has been deleted. Such conflicting information is not only confusing but also indicative of a failure to adequately investigate and address consumer disputes. 

This pattern mirrors the troubling practices of Equifax, which was recently sued for failing to conduct thorough investigations of consumer disputes. Equifax sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted.Experian appears to be employing similar tactics, ignoring relevant information and providing contradictory statements in their communication, causing undue harm to consumers like myself.

I urge the CFPB to take immediate action against Experian for their continued failure to uphold accurate reporting standards and for not adequately addressing consumer disputes. This pattern of behavior must be stopped to protect consumers from damaging credit report inaccuracies that can significantly impact our financial well-being.

Thank you for your attention to this matter. I look forward to your prompt response and the necessary action to hold Experian accountable.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-02-02 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: TN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts. XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX balXXXX {$930.00}, XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$830.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXXXXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened bal. {$170.00}, XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX datre opened XX/XX/XXXX bal. {$140.00} XXXX comenitybank/hottopic Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, syncb/oldnavy Account XXXX XXXX date opened XX/XX/XXXX bal. $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-02 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: TN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts. XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX balXXXX {$930.00}, XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$830.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXXXXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$540.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$480.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened bal. {$170.00}, XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX datre opened XX/XX/XXXX bal. {$140.00} XXXX comenitybank/hottopic Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, syncb/oldnavy Account XXXX XXXX date opened XX/XX/XXXX bal. $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
Consumer Financial Protection Bureau Subject : Immediate Deletion of Inaccurate Accounts from My Credit Report Dear Experian, TransUnion, and Equifax I am writing to formally demand the immediate deletion of the following inaccurate accounts from my credit report. Although these accounts were XXXX  in bankruptcy, you have continued to report incorrect information, falsely stating that I still owe a full balance on each account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), and you have been reporting these inaccuracies for over a year.

This is my fourth time contacting you in the last 12 months regarding this matter, yet you have failed to take corrective action. 
The following accounts must be deleted from my credit report immediately : XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX  XXXX ( Account No : XXXX ) XXXX ( Account No : XXXX ) XXXX XXXX XXXX Account No : XXXX ) XXXX XXXX ( Account No : XXXX ) XXXX XXXX XXXX ( Account No XXXX XXXX XXXX XXXX XXXX Account No : XXXX ) XXXX ( Account No : XXXX ) Under the FCRA, you are required to maintain accurate credit reporting. Since you have failed to correct these inaccuracies despite ample time to do so, you are now liable for damages. As per FCRA Section 616 and 617, I am entitled to statutory damages of up to {$1000.00} per violation, in addition to punitive damages and attorneys fees. 
If these inaccurate accounts are not deleted immediately, I will have my attorney file a lawsuit against you at your expense. I demand that you provide written confirmation that the above accounts have been removed from my credit report. Failure to comply will result in legal action without further notice. 
This letter serves as formal notice, and I expect a prompt response. Please send written confirmation of the deletions to my address within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX Bankruptcy XXXX  Papers Credit Report Identification

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 2025-02-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a throughout investigation. This practice violates the Fair Credit Reporting ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX I rented an apartment from Stoney Ridge apartments in XXXX XXXX XXXX XXXX purchased the company I rented from my last month or two there. In XX/XX/XXXX I moved out of the unit I was renting. I checked with the leasing office and they confirmed I was good to go and they would be sending me my deposit back in full. A couple months later I received my deposit back in full as I didnt owe them any back rent and I left the apartment in the same condition that i moved in. A year after that Colombia debt collections starts reporting on my credit as delinquent and reporting on my credit. Ive spoken with them many times stating I do not owe the debt they are trying to collect. I asked for proof, they didnt send me anything. After a couple months of going back and forth I contacted the leasing office of where I rented and got a copy of the ledger of my rental history with them. The ledger clearly states I moved out in XX/XX/XXXX, but there were some electric charges on there for XX/XX/XXXX. I moved out two months prior to those charges. I called the leasing office back, confirmed with them I do not own electricity charges during months I didnt live there, and I called Columbia back and reiterated I do not owe the debt, I have a copy of the ledger showing I dont owe the debt, but they didnt want to accept it. After that I contacted XXXX XXXX directly and spoke with XXXX XXXX, a XXXX  XXXX for XXXX XXXX. She looked over my history, confirmed again that I do not owe any money. She said she would contact Columbia and inform them so they will stop trying to collect and stop reporting on my credit. This was back in early XX/XX/XXXX. At the end of XX/XX/XXXX I got another email from Columbia offering me XXXX XXXX off my debt if I paid it now. I contacted XXXX again, she apologized to me and provided me with a letter stating clearly that I do not owe any debt. Columbia is closed now when I tried to call, but this has been going on for awhile now, theyre reporting on my credit for a debt I dont even own and its hurting me financially because its dropping my score showing that Im delinquent when Im not. Attached to this complain is a copy of the letter from XXXX XXXX stating I do not owe anything, and a copy of the ledger clearly showing the money that Columbia is trying to collect from me are from months after I had already moved out. I moved out in XXXX, its noted on the ledger when I moved out, the charges theyre charging me for are from XXXX and XXXX AFTER I had moved out, I do not owe any debt relating to that apartment for months I did not live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2025 LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX SC XXXX Subject : Request for Debt Validation Dear LVNV FUNDING LLC, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : XXXX XXXX Amount : {$2200.00} In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. 
o The name, address, and contact information of the original creditor. 
XXXX. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
XXXX, 2022 I had reached out to cash app customer services about my federal tax refund that was release to my account but I never received my refund to my cash app account. I'm not sure the exact amount but over {$3000.00}. no one never contacted me. I was just told they have nothing to do with what happens with tax refunds.

Company response to consumer: Closed with explanation