vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
I recently came across the CFPB lawsuit against Experian ( XXXX XXXX. XXXX ), which alleges that Experian failed to properly investigate disputes and reinserted negative items without proper verification. I believe I have been negatively impacted by these practices, as my previous disputes were marked verified without any meaningful investigation, hurting my chances at good credit. 

I am disputing all inaccurate, unverified, or outdated information on my credit report, including : 1. Accounts reported as past due, charged off, or in collections that should be updated or removed.

2. Unverified accounts that remain on my report without documented proof from the original creditor.

3. Duplicate accounts that unfairly affect my credit.

4. Hard inquiries that were unauthorized or inaccurately reported.

5. Reinserted negative information that was previously removed but has reappeared.

6. Incorrect personal information that does not match my actual records. 

Under 15 U.S.C. 1681i ( a ) of the FCRA, you must conduct a reasonable reinvestigation, provide documented proof for any verified items, and delete any unverifiable information. I expect a written response within 30 days, as required by law. If Experian fails to comply, I will escalate this matter by filing complaints with the CFPB, FTC, and the New York Attorney Generals Office.

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 2025-02-04 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: MO

Complaint narrative:
I am writing to report an ongoing issue regarding the closure of my debit card account and the non-receipt of my check from Bank of America. my debit card account was closed without any explanation, and for over six months, I have repeatedly inquired about the status of my check, which amounts to approximately {$600.00}. Each time, I was informed that the check had been sent to my current address which is. As of today, I have not received it. The most recent update I received was that the check was sent on XX/XX/year>, but the bank has refused to provide any tracking number or proof of mailing. 

Throughout this process, I have contacted Bank of America multiple times requesting updates and verification of the checks status. However, despite repeated assurances that it had been sent, no concrete evidence or tracking details have been provided. Given the prolonged delay and lack of transparency, I request immediate clarification on the status of my check, along with a tracking number or proof of mailing. If the check has not been successfully delivered, I urge the bank to issue a replacement using a secure and verifiable method. I appreciate prompt attention to this matter and look forward to a resolution as soon as possible.

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 2025-02-04 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: CA

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item reinvestigated. The inaccuracies are injurious to my credit score.

In accordance with the Fair Credit Reporting Act, Public Law 91-506, VI, Section 61, Please provide the names and business addresses of each individual with whom you verified above do that I may follow up. Please send a copy of my updated credit report after your reinvestigation.

Not indicating when/if the account has been sold ( Misrepresentation of the account status ). 

Not reflecting a {$0.00} after transferred/sold/paid ( double jeopardy ) Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Phone Number : 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 2025-02-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
My identity was stolen and fraudulent accounts were opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: VA

Complaint narrative:
the following account being reported to my report is a result of fraud and identity theft Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I am submitting this complaint regarding NCB Management for their violations of consumer rights. Notably, NCB Management has been found in violation of consumer protections in cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( C.D. XXXX. XXXX ), where XXXX was found to have violated the FDCPA by engaging in deceptive practices, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX ), highlighting the companys repeated issues with consumer rights. These precedents further underscore their pattern of misconduct. 

Upon reviewing my credit report, I discovered that NCB Management has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. This action constitutes harassment, defamation of my character, and an outright violation of my rights. NCB Management is collecting on behalf of Continental, further infringing on my rights.

Additionally, my private information has been improperly shared with NCB Management, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress.

Please note, I am not requesting verification of the debt, as the required verification should have been completed prior to placing this item on my credit report. 

I urge NCB Management to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations.

Furthermore, NCB Management has violated the following FDCPA provisions : 15 U.S.C. 1692e : Prohibits false or misleading representations, which NCB Management has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes improper sharing of my personal information.

I am requesting a prompt investigation into this matter and expect confirmation of corrective action within 30 days. Should NCB Management fail to address these issues, I will pursue further legal and regulatory actions to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Im reaching out because there are a few accounts on my credit report that I dont recognize, and theyre dragging my score down. I didnt open these accounts, and theyre definitely not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Last fall I began having issues with fraudulent activity on two credit cards I have with CitiBank. They were ANNOYING and highly INEFFICIENT resolving them, but we did. Recently, that issue began anew. When the first issues began I was at my wit 's end due to some personal things, including a partner with a complete XXXX XXXX hurricane prep, etc. So, to ensure I never missed a payment, I set up automatic payments. In the last few weeks, as the new issue has arisen, CitiBank -- without my consent or approval -- withdrew {$5000.00} from my checking account on XX/XX/XXXX. I've had a XXXX XXXX and didn't discover it until XX/XX/XXXX. I spoke with the fraud representative I'd been speaking with about it. She actually used the work fraud to describe their removal of the amount and said she would try to have that sum redeposited within 48 hours. Yesterday, they withdrew an additional {$1000.00}. At the same time as one of these, one of the normal payment amounts I'd set up was also removed. Perfect, as it should be. But they know and acknowledge there is zero right to the {$6000.00}, and the withdrawal was never approved by me. I have tried everything and once more called today to speak with one of their quite useless representatives. She said I would have to wait for the account to be " verified '' before the amounts were returned. EXCUSE ME?!!!!!!!!!! This is such XXXX XXXX If this was an individual it would be outright theft. They know and have acknowledged this was somehow and error and it should be returned. But, of course, they don't get a XXXX about their customers and are now in no hurry to do it. I've called an attorney. XXXX XXXX XXXX XXXX XXXX It is a fluke I had the amount in the account to cover it and had I not it would have surely set off a chain reaction of overdraft fees. This is not fair and dishonest.

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 2025-02-04 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
Coinbase locked my account around four months ago they send task after task to complete when I do there is never no new updates just that there waiting to hear from the compliance team when I ask to speak with them they apparently don't have a direct number I have spent multiple days on the phone when you can get ahold of someone one witch was four hours typically get more hoops to jump through a few days later also noticed money missing out of my account with no record of it leaving no transaction history in the account after spending two days on hold yes 2 days they took the money without my permission and no notification they then redeposit it back kind of sketchy still don't have access to my money as of writing this thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
This Nationstar/Mr. Cooper Mortgage Loan began after servicing was transferred from XXXX to Nationstar/Mr. Cooper in XX/XX/year>. The transfer period from XXXX toNationstar/Mr. Cooperwas stated to be 60 days per an email and also a letter delivered by the US Postal Service. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of 60 days beginning in XXXX. 

The transfer period was therefore still in progress in XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the Nationstar/Mr. Cooper mortgage loan was paid in full. As a matter of fact, Nationstar/Mr. Cooper sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from Nationstar/Mr. Cooper stating that the mortgage loan had a 60-day transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXX XXXX  ), Nationstar/Mr. Cooper inaccurately reported a 30-day late to XXXX, XXXX, and XXXX for XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I am victim of a data breach & identity theft ( my personal information has been exposed ). Looking over my credit reports I saw an account that wasn't mine. I asked the Credit Reporting Agencies for verification of this debt, but the information was never provided, Due to my info being exposed in this data breach, I have submitted a FTC complaint that has information that I have no knowledge about. I have also submitted a copy of my ID, SS Card and the letters I sent to the Credit Reporting Agencies.

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 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
It was almost an everyday call up until I blocked them. I explained to them that I was never told my doctor at XXXX XXXX XXXX XXXX stopped taking my health insurance, and they continued to make my follow-up appointments. They are constantly harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take times and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair, and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CT

Complaint narrative:
I have contacted the three credit reporting agencies and the negative information from XXXX XXXX XXXX  XXXX  involved in my XXXX  XXXX bankruptcy XX/XX/2013 and discharged XX/XX/2013. I have consulted with my lawyer XXXX XXXX, who told me that the information should not be on my credit report. I have contacted XXXX XXXX XXXX, TransUnion, Equifax, and Experian. The information is not being removed.

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 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am the successor of the mortgage since my father has passed away. I have been trying to work with Wells Fargo on the documentation that they need so I can get a protection plan or forbearance done on the account. They do not pick up the phone. I have tried calling they have never called me and left a message. I have sent them all the documentation that they need and if they misinformation they send me a letter saying youre missing this and were no longer working with you. I sent in the last bit of information that they needed faxed it and emailed it and they still claim that they never received it and they do not want to help me on this matter. I have been working with a XXXX XXXX! Every time I call Wells Fargo I can not seem to get a hold of her and they give me some XXXX that doesnt know anything. They just absolutely refuse to process anything that I have sent them.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation