vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: ID Analytics, Inc.
State: MO

Complaint narrative:
To whom it may concern ; I have tried to get a copy of my credit report and was unable and to suppress my information to Everyone and all agencies or businesses but was unable.

I would like a credit report as well as having all of my information suppressed for everyone please I have included a copy of my drivers license and Social Security card, but please dont allow this information to anyone Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-02-26 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:
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 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 2025-02-26 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-26 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: MD

Complaint narrative:
I am writing to formally 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 lost funds was impossible and that tracking these transactions was unfeasible. 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 2025-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX XXXX date 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The reporting of this accout is incorrect as i still see a balance after the charge off. Please explain why there is a past due balance when your company charged off the alleged debt on the report but it still shows a balance? I am pretty sure you know this is a violation. I demand the immediate removal of this accout to ensure that your agency is reporting full and only complete information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX # XXXX - DATE XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX. XXXX, XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/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 XXXXXX/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 2025-02-26 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Inappropriate Fee - NEEDS TO BE REMOVED FROM MY LOAN ACCOUNT - Other Charges And Fees of {$1800.00} When I inquired as to what these fees were, I was informed that the fees were Bank of Americas ( BOFA 's ) attorneys fee from filing a claim in my bankruptcy filed on XX/XX/XXXX, after the BOFA DOJ loan forgiveness modification agreement was implemented. I was current with my BOFA loan. I filed bankruptcy to resolve issues with another financial institution. 

The XXXX Bankruptcy XXXX ( Maryland ) was # XXXX. BOFA, through XXXX XXXX, only submitted XXXX documents to the XXXX Bankruptcy XXXX, Maryland see attached, along with the bankruptcy docket : XXXX. Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) XXXX. Objection to Confirmation Plan XX/XX/XXXX ( Docket # XXXX ) XXXX. XXXX Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) Looking at the Bankruptcy docket, BOFA never submitted the paperwork to make a claim after initiating the process in my bankruptcy, as they informed me. After the XXXX notice of appearance, there was not any further action by BOFA. 

Also, looking at my XXXX Credit Report, BOFA reports the Status as Transferred, closed, Never late. The fees MUST BE removed immediately. NOTE : The bankruptcy ended on XX/XX/XXXX, having nothing to do with BOFA. ( See the XXXX Credit Report attached. ) XXXX : The Consumer XXXX XXXX XXXX XXXX CFPB ) and Associated XXXX XXXX AP XXXX both reported on XX/XX/XXXX on BOFA XXXX CFPB reported BOFA was to pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the XXXX for wrongful practices across the banking system including, but not limited to, double-dipping, falsifying records, etc. The AP reported Bank of America hit with $ XXXX in fines and refunds for double-dipping fees and fake accounts. 

For more details, please click here CFPB XXXX XXXX XXXX Bank of America For Illegally Charging ..../ AP-Bank XXXX XXXX XXXX XXXX XXXX XXXX in fines, penalties for 'double-dipping " fees, fake accounts ... - see attached. 

Also, the BOFA DOJ loan forgiveness modification that I received in XXXX was as a result of DOJ settling with Bank of America for XXXX XXXX with mortgages. Click https : XXXX see attached from 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 2025-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Hello, I am writing to the Consumer Financial Protection Bureau for assistance regarding a debt collector named Transworld Systems Inc. They have been blatantly disrespectful towards me and my newborn child, with an incorrect medical bill. 

I reached out to this debt collector months ago, requesting that the debt be disputed until the hospital could provide accurate information. I had repeatedly confirmed with the hospital that my insurance would cover all expenses related to childbirth. However, months of back-and-forth with the hospital have yielded no results. They continue to promise to call me back and provide more details, but they have yet to do so. 

In addition to this, I politely requested that the debt collector dispute this claim until the hospital complies with its policies and provides me with details of the bill. The debt collector claims that the hospital has confirmed the source of the bill, but the hospital has been unable to provide me with this information. 

Despite my requests, the debt collector has refused to fully dispute my claim until the hospital cooperates and provides details of the bill. This behavior violates every law regarding debt collection. The law clearly states that debt XXXX must request verification of the debt from the debtor and that if the debtor still disagrees, they can dispute it with the credit reporting companies. 

I am requesting legal assistance in this matter. My account number is XXXX. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am an attorney-at-law licensed in the District of Columbia. In or around XX/XX/XXXX, I opened a Sofi Bank Checking and savings account online. I provided proper ID. XX/XX/XXXX a client ( hereinafter : " Client # XXXX '' ) deposited funds to complete a Trademark Filing. Also notably, another client ( hereinafter : " Client # XXXX '' ) paid in a large sum for legal services in XX/XX/XXXX. All was well until XX/XX/XXXX I discovered I had no access to my bank account. Sofi had a statement above my account saying my account was restricted. I called to speak to Sofi customer care and they said I needed to send in my ID while on a live call with them. A few days later, I called and successfully verified with them. Notwithstanding, they said my account was still restricted. I asked why? They said they needed to speak to XXXX # XXXX and Client # XXXX. I initially said I needed to get my clients ' permission for that, I asked my clients who initially said no. I expained this to Sofi and they insisted even though my clients claimed attorney/client privilege. In any event, my clients did agree thereafter and I sent the contact numbers for XXXX # XXXX and # XXXX. Up to now, Sofi did not speak to XXXX # XXXX. As to XXXX # XXXX, he said he would reach out to Sofi since it appears Sofi was not trying to reach them either. Consequently, XXXX # XXXX called Sofi and spoke to them stating that the funds were legal fees to deal with several corporate and immigration matters and that their freeze was holding up their matters. They refuse to give me back access to my large account. I have health issues that are urgently in need of care but Sofi doesn't care. I have yet to hear from the promised Sofi Manager. It appears they are trying to keep my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
Please Delete immediately where is the fair resolution to this issue.

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 2025-02-26 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: TX

Complaint narrative:
Please Delete immediately where is the fair resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
I am filing a formal complaint against Stellantis regarding its mishandling of my auto loan payment, which has unfairly resulted in a negative impact on my credit score. Despite my repeated proactive efforts to address this issue, their company provided multiple assurances that my automatic payment would not be processed or affect my credit. However, these promises were not upheld, and my credit has now been damaged due to Stellantiss failure to manage the situation appropriately. Furthermore, Stellantis has been slow and unresponsive in addressing my dispute. 

Summary of Events XX/XX/XXXX : My XXXX XXXX XXXX was involved in an accident. 
XX/XX/XXXX : XXXX XXXX declared the vehicle a total loss. 
XX/XX/XXXX : I contacted Stellantiss payment department to report the total loss and was assured that the automatic payment scheduled for XX/XX/XXXX would not be processed. Based on this confirmation, I did not make any changes to my auto payment settings. 
XX/XX/XXXX : Contrary to the previous assurance, Stellantis automatically withdrew the XXXX payment. Upon contacting your company, I was informed that since XXXX had only reached out to Stellantis on XX/XX/XXXX, the payment was still processed. I was told that I could request a refund after the insurance payout was completed. 
XX/XX/XXXX : I discovered a significant drop in my XXXX XXXX XXXX due to a " bad mark '' reported by Stellantis. Upon reaching out to Stellantis, I was told that the XXXX payment, which was not deducted on the XXXX as expected but instead processed on the XXXX, was marked as late. This 12-day delay was caused entirely by Stellantis, yet I am now being penalized for it. 

Failure to Address the Complaint Promptly Despite multiple attempts to resolve this issue with Stellantis, my concerns have not been adequately addressed. Their representatives repeatedly assured me that my automatic payment would not be processed, yet it was withdrawn late, and now my credit score has suffered. Additionally, Stellantis did not take immediate action upon receiving my dispute, demonstrating a lack of accountability and responsiveness.

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