vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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 writing in response to the completed investigation regarding my dispute with your agency related to the creditor, Equifax. I have reviewed your findings, and I must assert that I am unsatisfied with the level of detail provided. 

Per FCRA XXXX ( a ) ( XXXX ), I am entitled to a full description of the procedures your bureau followed when processing my dispute, including but not limited to the method of verification utilized in providing the information to the original creditor. 

As stipulated in FCRA XXXX ( a ) ( XXXX ) ( B ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I expect to receive the exact procedure and methodology your bureau employed to ensure the original creditor was fully and properly informed. 

Additionally, I am requesting that this information be supplied within XXXX  days ( from XX/XX/year> ), as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are XXXX hard credit inquiries on my XXXX credit report that were not made by me. They are fraudulent and need to be removed immediately. The inquiries are from " Bank of America '' on XX/XX/year> and XX/XX/year>. I have already filed complaints with both XXXX and Bank of America. Bank of America has acknowledged that there are inquiries reporting on my file that are fraudulent and will be removed, however in both the letters I received from Bank of America, they did not acknowledge the correct inquiries that were mentioned in the previous dispute. The letters mention " The inquiry dated XX/XX/year> '' however there are no inquiries from Bank of America reporting on my file from XX/XX/year>. The fraudulent inquiries were made on XX/XX/year> and XX/XX/year>. These are the inquiries that are being disputed and they both need to be removed immediately. I have never applied for any credit cards with Bank of America, nor have I ever given them consent in any way to do a hard pull of my credit. It has been several months of this fraudulent report being furnished and I have contacted both the Bank and the credit reporting agency. This fraudulent activity is causing severe harm to my personal life and both Bank of America and XXXX need to be held accountable for their actions.

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 2025-01-31 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-31 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-31 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: GA

Complaint narrative:
On my Equifax Profile the following Companies obtained a hard inquiry. 
XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Complaint Description : I had a bank account with XXXX, which was recently closed and charged off without giving me an opportunity to reclaim any remaining balance. I am filing this complaint because I believe the banks actions were unfair, and I am seeking clarification and resolution regarding the funds in my account. 

XXXX of Events : I contacted the banks customer service to request an explanation. They informed me that my account had been charged off and that the remaining balance had been used to cover fees and debts. 
I requested a detailed breakdown of transactions, fees, and charges applied before the charge-off. The bank refused to provide a full breakdown. 
I spoke with the liquidation team, and they informed me that nothing could be done to reverse the charge-off or reclaim any of my funds. 
I contacted the bank again and asked if I could dispute the charge, arguing that some of the fees may have been unauthorized or excessive. The bank refused to allow me to dispute the charges. 
My Concerns : Lack of Notification & Transparency : I was not properly informed before my account was charged off, and I was not given an opportunity to reclaim any remaining balance. 
Unclear Fee Assessment : The bank has refused to provide a full breakdown of the fees and charges that led to the liquidation.

Denial of Dispute Rights : I attempted to dispute the charges, but the bank refused to allow me to file a dispute or investigate the matter further.

Potential Mishandling of Remaining Funds : I want to confirm whether any remaining funds were transferred to my states unclaimed property office and whether I am eligible to reclaim them.

Resolution Requested : A full explanation and breakdown of the charges and transactions that led to the charge-off. 
Confirmation of whether any unclaimed funds were transferred to my state treasury, and if so, how I can recover them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to 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 2025-01-31 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: TX

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 finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user 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 2025-01-31 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Experian and XXXX refuses to address fraudulent accounts listed on my report. I've inquired to them regarding inaccurate information reporting to my account but they refuse to address the issue. Ive attached a FTC report and ID to help remove the fraudulent accounts from my profile. I've been a victim of ID and had my wallet stolen which contained my SSN and ID. The following accounts don't belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
I'm just making sure I have the correct POA on file. My XXXX and POA will be attached.

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 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Flagstar took over my loan. They reviewed the escrow balance to ensure the correct amounts are being they found a shortage of XXXX XXXXXXXX My mortgage was {$3100.00}, then reduced to XXXX, and now has increased my monthly payments to {$4000.00}. They also said my payment was going to start XXXX and the XXXX payment was already set. 

The XXXX increase of the escrow was paid for XXXX was {$4000.00}. This monthly payment is a 30 % increase. This is an error on their part. I would not have been approved for a loan amount like this. Someone in accounting made such large margin of error and is incredulous and unbelievable for property tax deficit and the increase is XXXX. 

Flagstar has now conveniently sold the loan to XXXX XXXX XXXX XXXX. They said they would accept payments until XX/XX/year>. Now their site is having trouble and you can not make the payments.

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 2025-01-31 00:00:00
Product: Debt collection — Other 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: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: UT

Complaint narrative:
Received a third warning for a speeding ticket on XX/XX/year>, that was taken care of when the ticket was issued almost XXXX years ago. 
I have called multiple times to clear it up and have been told that the account is closed and no further action is needed every time over the past XXXX years. 
The fine attached is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 timely and effective measures 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 seek appropriate redressor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I had Navient as servicer for my Federal student loan for years, i was and am having issues making the payments. I was advised to go into a forbearance as many times as i needed to but i was never told by them that it would continue to gain interest tripling the loan amount i started with. this has caused an even more financial hardship on me and my family. Navient never contacted me once they were sued about getting it forgiven. i want contacted by them i was also told by them that my loan wouldnt naturally expire which was also a lie according to my current servicer XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I have been a victim of identity theft please see the attached FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I have been a victim of identity theft please see the attached FTC report

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 2025-01-31 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: GA

Complaint narrative:
I made an electronic online payment to my Bank of America credit card on XX/XX/year> from my XXXX checking account. Somehow a XXXX got added to the payment amount, and my bank sent B of A XXXX XXXX  instead of the amount of {$5800.00} which I intended to pay on the card, causing my Bank of America account to have a credit balance of - {$11000.00}, As a result of taking {$10000.00} more than anticipated from my XXXX checking account some of my XXXXXXXX XXXX checks started to bounce and I was notified of the overdraft by XXXXXXXX XXXX on XX/XX/year>. I immediately contacted Bank of America asking them to electronically send bank the credit balance, which they said they would do. I asked them to expedite it to avoid incurring multiple overdraft charges, and they said they would, [ this was through the XXXXXXXX XXXX customer service ]. It now has been XXXX  days since B of A received {$11000.00} more than the balance due on my card, and XXXX  days since I requested that the credit balance of {$810000.00} [ which includes a deduction for a subsequent charge ] be sent back electronically to my XXXXXXXX XXXX account. I called on XX/XX/year> and was told that the request has to be " reviewed '' before they issue the credit, but they don't know who reviews it, or what the review entails, nor could they give me any reason why it wasn't returned yet. As of today XX/XX/year> they are are still holding my money, making interest on it for B ofA, and I'm not getting any interest nor use of my money for an unreasonably long time. I gave BofA all my identifying information, so there should be no reason not to return it. It seems this unreasonable delay is to make B of A more money at the consumer 's expense.

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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts/ inquiries : 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 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 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 Has violated my rights. I looked at my credit report XXXX XXXX and noticed all the inaccurate information. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possibe accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ). And according 15 USC 1681i 5 they are supposed to do this ( 5 ) treament of inaccurate or unverifable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information from the file of the consumer or modify that item of information is found to be inaccurate or complete or can not be verified, the consumer reporting agency shall ( 1 ) promtley delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the investigation and ( 2 ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
THE LENDER SOLD THE DEBT TO DEBT COLLECTOR AND MY INFORMATION WITHOUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MS

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 non-monetary relief