vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Back during the housing and financial market collapse in XXXX where the banks where bailed out by government funding or the Emergency economic stabilization act of XXXX, I had a credit Card with Bank of America with a balance that I needed time to get caught back up on due to my business going under and needed time to get money coming back in. In my many calls with BofA customer service to arrange this, I was told that in XXXX of XXXX, BofA would just charge off the debt and recover the loss from the TARP program and the account would be consider resolved. At that time, I reached out to my Friend, the late Senator XXXX XXXX to verify this claim by BofA and he told me yes, and that BofA was required under the TARP plan agreement to destroy the charged off debt and would not be allow to transfer the debt to a third party. However, after approx. three and a half years in late XXXX BofA included this debt in a bundle that was sold to XXXX XXXX, a third party debt buyer, who then sat on the debt until mid XXXX where they had their collection division of XXXXXXXX XXXX XXXX, XXXX to preceded to filed for a judgment at the XXXX XXXX XXXX XXXX in XXXX and was given the judgment in late XXXX even though I knew nothing of this attempt for judgment until after it was issued. It is my belief that BofA conducted Bank fraud by selling this debt to XXXX XXXX even after they took government TART funds to satisfy the debt. I ask CFPB to investigate this situation and request BofA to take back the Debt that they where never allowed to transfer to a third party and have the money that XXXXXXXX XXXX XXXXXXXX stole from me, return the money. Thank you for your time.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: MARINER FINANCE, LLC
State: WA

Complaint narrative:
I applied for credit card and was denied, I pulled my annual credit report and I had accounts on my credit that I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXXXXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect 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 non-monetary relief
Consumer complaint received 2025-03-21 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:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: CA

Complaint narrative:
Dear XXXX XXXX, I hope this letter finds you well. I am following up on my previous communication regarding my request to delete my personal information, as well as any associated accounts, from Sunbits records. Specifically, I am referring to the tradeline related to XXXX XXXX XXXX. : XXXX and XXXX, which should have been deleted from my consumer credit report with XXXX. 

I understand from your previous response that my privacy request is being processed, and the sharing of my information has been limited in accordance with your privacy notice. However, I have reviewed my XXXX credit report and can confirm that the tradeline associated with the loans mentioned above has not been removed. 

As outlined in my previous letter, I am requesting the immediate deletion of this tradeline from my credit report, as mandated by my rights under the California Consumer Privacy Act ( CCPA ). Please provide me with an updated confirmation, in writing, that this deletion has been processed.

Additionally, I ask that you send me an official statement confirming that all records associated with my personal information, including but not limited to the loan account details, have been fully deleted from all systems and data sources, in compliance with my privacy request and the CCPA. 

. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They sent me an email for me to call them, but I have tried a number of times and can not get past the automation so I can speak to someone. I CAN NOT GET THROUGH BY PHONE!!! 
Experian is the worst company I have ever dealt with. There automation is sticks. They are interupting my purchasing because when they run a credit report it brings up my son 's account. I have a great credit score with the other credit bureau 's. I am so frustrated with Experian. Please forward this info to them. 
Thank You

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 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a pair of shoes from XXXX  in XXXX of XXXX. They issued me a return on order number XXXX for {$590.00}. XXXX. The shoes were picked up by XXXX tracking number XXXX and delivered back to XXXX. The pickup confirmation number is a m XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite receiving the shoes back and indicating in an email that I have enclosed that they would credit my Citi card they did not. Therefore, I opened a dispute with Citi card XX/XX/year>. XXXX then said because I had opened a dispute with Citicard they would not issue me the refund despite the fact they had sent me a label and the merchandise was returned. 

CitiCard initially credited back my card for the disputed amount but then within 21 days charged me the {$590.00} again. I talked with the customer service representative in the dispute Department numerous times and they refused to re-credit the disputed amount to my credit card despite giving them information that XXXX had picked up the package and XXXX  had received the merchandise. CitiCard did not re-credit the disputed amount until XX/XX/year>. 

I requested on numerous occasions to talk to someone outside of the dispute department and to escalate my complaint to the president 's office. I wrote a letter to Citi card and included all pertinent documentation and never received a response. Consequently, I closed my credit card after being a customer for 25 years. for 25 years I paid my entire balance off monthly, sometimes in excess of {$15000.00} and only had one other dispute filed in that amount of time.

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 2025-03-21 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX  XXXX XXXX XX/XX/year> {$530.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
Ive tried to call multiple times in the past, and I never get through on the phone, I've called twice today at XXXX PST and I was faced with a more than 5 hour wait time. I honestly just want a piece of mind with my loans and make sure Im doing everything right, I have contacted the student.gov site with no problem but directed me to mohela as my loans are through them and I can even get them on the phone. This is preventing me from making investments, building a family, buying a house, and building my future. I just dont know what to do. I am in the XXXX  and even the VA loan is not enough with to get approved with my outstanding student loans, and I have nothing to tell my mortgage lender because I dont have any information about my student loans. I am just at a dead end and dont know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In short, the ATM swallowed {$1200.00} from my {$5000.00} deposit. And the bank only accounted for {$400.00} and refuses to give my MY money. This is theft! 

On XX/XX/XXXX My husband sold his car and we received {$4900.00} cash from the seller. He counted, my husband counted, and I counted. My husband gave me an additional {$100.00} to deposit- making the total {$5000.00}. I even counted once more. It was after hours and i never had an issue with atms so i deposited it. This is at Chase bank in XXXX NY. Now that I know how risky it is and it would lead to theft, I would never do it again at all. Between XXXX XXXX  on XX/XX/XXXX I deposited XXXX and it only showed {$3500.00} and spit out $ XXXX swallowing and stealing {$1200.00}. It didnt provide a receipt either. I filed a claim right away. A man was behind me and when I left he kept looking at me- I wonder if maybe the machine malfunctioned and spit out some cash and he took it. I also asked them to look at the cameras that can view me holding cash or people, and they denied me in the claims department and also the branch. And I consulted a lawyer who stated that they certainly have cameras and can access them. Anyways, I filed a claim. They first made the mistake of filing a XXXX claim. Then that was closed and another was reopened for XXXX. Then the auditor went after the first audit was done and didnt communicate with the branch. So the branch that I contacted Saturday XX/XX/XXXX and Monday XX/XX/XXXX filed another claim. Suddenly an {$800.00} claim appeared in my account and was closed and denied. And they only gave me {$400.00}. I contacted the bank and they waited until after XXXX XXXX on Friday XX/XX/XXXX to tell me this. And believe me I called before too throughout the week. I called the manager Monday she said it would be handled. Come Friday, I was told she would call me Friday end of day or the following Monday. But this is insane! IT IS MY MONEY CHASE STOLE! The man who called me was trying to be helpful, I understand it isnt his fault, but this is my money and it has been stolen by chase bank. I needed this to pay for XXXX. I needed to pay out of pocket for XXXX and now I have to charge my credit card and pay interest when I literally had MY money to pay for it. And they apparently can wait the whole weekend to get back to me? This is causing me pain and suffering. This is not only unacceptable but THEFT AND FRAUD! Sure I was unknowledgeable in the consequences of depositing cash in the ATM- but I never had an issue in the 10 years Ive been with Chase. This is making my XXXX XXXX rise and I have XXXX Thursday and feel completely helpless now. I need my money back! I shouldnt have to go to court to simply get my own money!!!!! I shouldnt have to file claims and submit this on here to get my own money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
I have discovered several mistakes on my report that are unfairly damaging my scores and limiting my access to essential financial resources. These errors have already caused unnecessary delays, higher costs, and missed opportunities, all of which are unacceptable consequences of incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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 am writing this complaint with absolute certainty and extreme frustration. The numerous errors on my credit report have severely impacted my life and credit score, preventing me from achieving financial freedom and stability. Despite my efforts, I continue to see inaccurate and unknown accounts that do not belong to me. It is unacceptable that these fraudulent accounts remain on my TransUnion report, especially since both XXXX and XXXX have already deleted them for being erroneous and fraudulent. Maintaining these false items is a blatant violation of my rights as a consumer. Additionally, my personal information appears to be incorrect, further contributing to these inaccuracies.

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 2025-03-21 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: PA

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 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I requested debt validation/verification letter asking for itemized statements for charges and receipts of amounts paid by landlord on XX/XX/year> to verify if it is legit and to date XX/XX/XXXX, I have not received it and the debt collector is still sending emails and calling me to collect debt without providing me with necessary information.

Company response to consumer: Closed with explanation