vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
On XX/XX/year> at or about XXXX XXXX, I received an email from Acima in the following particulars : Acima Notice of Adverse Action. Reference Number XXXX Dear _________________________ Thank you for your recent application for a lease. Your request was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason : Unable to Verify Identity Our decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 
If you have any questions regarding this notice, you should contact Acima Credit at XXXX or at XXXX. 
Sincerely, Acima | Processing Department Notice : The Federal Equal Credit Opportunity Act prohibits discrimination against applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under applicable law. The Federal agency that administers compliance with this law concerning Acima Credit is the Federal Trade Commission, XXXX XXXX XXXX, Washington XXXX DC XXXX. 

Privacy Policy This email was sent by Acima Leasing. This email was sent to __________________. Visit Acima.com for more info. Acima is located at po box XXXX, XXXX, Utah - XXXX, United States. 

I did not apply for credit, and Acima refused to take a report of identity takeover and directed me to report this to the police. I don't have any information to report to police about this fraudulent application. Acima hung up on me. Acima failed to conduct due diligence and assist me in identifying this fraudulent account. I learned that Acima has a CFPB complaint pending regarding how they advertise, offer credit, etc. Acima 's credit and advertising practices appear to be false, and they may be engaged in extending credit without sufficient safeguards to protect customers ' identity, they certainly do not have a customer support process to identify fraudulent applications and refer violations of law ( which they could do under XXXX ) to law enforcement themselves. Acima failed to protect me from being a victim in this matter and preventing access to my credit history and personal identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Ongoing issues with XXXX  XXXX  ( a bank run by choice financial group ). My latest issue is filing an appeal back in XXXX to just get a response today ( XX/XX/year> ). Current doesnt follow a single banking guideline, has no true customer support ( other than copy and paste responses not actually addressing issues ), and have numerous complaints online about disputes not being handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 non-monetary relief
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-25 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice disclosing that my account had been put into forbearance and due to injunction on the XXXX plan and since XXXX  days had passed, that no payment would be required and that my interest rate would be set to 0 %. and " This means no interest will accrue while you are in the forbearance. '' On XX/XX/XXXX my loans were listed as {$260000.00}. 

On XX/XX/XXXX later this month my loans had increased to XXXX. At this time, I paid {$1500.00} to my loans, despite the notice that I was to have 0 % interest because I was afraid my loans would continue to accumulate. This reflected in my account and the next time I checked in XXXX my loans were XXXX showing that interest was continuing to re-accrue. 

On XX/XX/XXXX my loan balance was again XXXX and currently on XX/XX/XXXX it is XXXX. During this time, I have spent multiple messages of correspondence to Mohela through the email and have tried to call for multiple hours ( XXXX day spending XXXX hours on the phone ) attempting to speak to a representative who can assist me in clarifying my loan accrual status. Each time I am cut off after hours on the phone, or on the rare occasion that I do connect with a live human representative, I am told that I need to speak to an advance rep or supervisor, after which my line shortly disconnects, or disconnects after waiting an additional hour, with no forewarning. 

I would like clarification and I believe that loans should be lower than they currently are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased a home with bank of America in 2020. Over the past 5 years bank of America has stolen over {$5000.00} from me through fraudulent tax payments taken out of the mortgage payment which are not applied to the mortgage and have been kept by the bank.

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 2025-02-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I have been out of the country since XX/XX/XXXX. 
I only recently discovered that my Experian username was changed to XXXX with which XXXX not related, and now I am unable to sign in to my account. My previous address was XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and my old phone number was XXXX. On XX/XX/XXXX, at XXXX PM, I received a notification from Experian to my email address ( which was also my old XXXX, XXXX ) about an update to my account, which I unfortunately missed. 
Could you please assist me in recovering access to my account? My new phone number is XXXX, and my current address is XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX. 

I placed fraud alert via phone call!

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by these creditors to TransUnion. Their records incorrectly show several payments as late, even though they were made on time. This misinformation is unfairly damaging my XXXX XXXX and causing unnecessary frustration.

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 2025-02-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My data was breached on all three credit bureaus, I would like my credit reports wiped. 
Reference # 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 2025-02-25 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NE

Complaint narrative:
Hello, I have tried XXXX times to remove an incorrect therefore fraudulent account from my credit profile. Please remove these from my co credit report. 
Records indicate I was impacted by the data breach and as far as the law goes I have the rights to dispute all incorrect accounts on my credit. These are the items I am asking to have removed. XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not correct and I do not recognize this account, it's fated in XXXX  for {$2700.00}. Also hard inquiries XXXX XXXX XXXX and XXXX XXXX this was supposed to be a soft pull ONLY! I did not authorize them to do a hard pull due to me only wanting a pre approval letter to see what car I was authorized to purchase.

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 2025-02-25 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: NE

Complaint narrative:
Hello, I have tried XXXX times to remove an incorrect therefore fraudulent account from my credit profile. Please remove these from my co credit report. 
Records indicate I was impacted by the data breach and as far as the law goes I have the rights to dispute all incorrect accounts on my credit. These are the items I am asking to have removed. XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not correct and I do not recognize this account, it's fated in XXXX  for {$2700.00}. Also hard inquiries XXXX XXXX XXXX and XXXX XXXX this was supposed to be a soft pull ONLY! I did not authorize them to do a hard pull due to me only wanting a pre approval letter to see what car I was authorized to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 not possible and that tracking these locations was infeasible as well. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

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 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 2025-02-25 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: AR

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 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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This is my second complaint that I am filing against Bank of America. My original complaint # XXXX, for reference. I am only filing again, because this original complaint is NOT complete but has been closed, so I am not sure if it will be resolved without filing this new complaint. I am filing again to make sure it is corrected, since BOA does not return my calls. The charge/fraud claim in question is a {$99.00} charge from XXXX XXXX XXXX XXXX my card ending in XXXX, on XX/XX/XXXX. I received a temporary credit on XX/XX/XXXX of {$99.00}. On XX/XX/XXXX, the {$99.00} temporary credit was reversed, and I have a letter dated XX/XX/XXXX and my bank statement to prove it. On XX/XX/XXXX I was given a direct contact at Regulatory Complaints of Bank of America to help with my fraud case. I have left 4 voicemails since that date, and have NOT ONCE received a call back. Earlier this month I received an emailed survey from BOA asking about my experience, and I took the time to respond honestly. I received an email back on XX/XX/XXXX stating that they would look again at my fraud claim. But, on XX/XX/XXXX I received correspondence that my fraud claim has been " completed '', and temporary credit provided to me back in XXXX was now " permanent '', case closed. This is untrue. If BOA was thorough in looking at my case/account, they would see that the temporary credit I received from them was reversed on XX/XX/XXXX, and I have yet to be reimbursed for that.

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 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
They have been trying to collect a worn amount from me, That account was closed directly by XXXX and I have tried disputing it many times and they have not removed the information from my credit report after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor XXXX 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-25 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: NV

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented XXXX failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX  XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief