vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I currently use Bank of America. 

From XXXX XXXX XXXX the actual transaction chronology has been altered in the bank o America app to falsely create an incorrect transaction history/chronology that put me in a negative XXXX balance. 

I explained to the Bank of America representative two important facts. The first being that I kept tract of my spending in real-time as these transactions took place in the real world and kept up with the calculations and the correct chronological order that each transaction took place in. Because of that I knew I wouldnt not be in a negative balance.

The second fact being that as soon as my account hit a balance of XXXX, no other transactions could possibly take place. Regardless if an attempt was made to make purchase in a store or online, the split second my balance hit XXXX, Bank of America would not allow for a transaction to take place due to a lack of funds. The fact that there are NUMEROUS CONSECUTIVE transactions displayed in their app as having taken place AFTER a XXXX balance was reached is the proof of error on the part of the bank. The Bank itself would never authorize numerous consecutive transactions to take place after a XXXX balance had been reached. Each time it wouldve said transaction can not be completed or insufficient funds. The reason why it never did in the real world while purchases were being made by me in real-time is because I actually had the funds to cover my transactions. Again, it was restructured to appear that way in their app which is incorrect. 

At the time, the actual transaction history was displayed correctly within the Bank of America app that all customers have access to, which didnt produce a negative balance of XXXX. However, by the time of XX/XX/XXXX, the whole transaction chronological order was altered and then displayed in the app in such a way to create a negative balance of XXXX. My attempt to rectify this with the a Bank of America representative was met with impolite aggressive resistance. 

Simply put, I want that XXXX placed back into my checkings account

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 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I just received a threatening letter from a credit card companys debt collector for a credit card that was closed by the veditor for {$1100.00}. This creditor was paid each month with my auto and renters insurance because they are bundled together so I dont have to pay my premium, renters insurance and credit card separately. I know that I have paid them for what is owing, but I dont like being threatened by someone. Please can you advise me what I should do to resolve this matter? Thank you in advance of your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Yes I got these funds send through a program that got originally send to hyperwallet, I contacted them to locate the funds they provided me a tracking number which led me to cashapp.Hyperwallet is not a bank it's a finical technology company that provides global payment .I contact cashapp and provide them information and they told me my funds was there I have PROOF of my funds being send to them and how much I receive this been going on for a year now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to document and escalate a serious pattern of ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding the following account : XXXX XXXXXXXX - Account Number : XXXX XXXXXXXX This is now my fourth dispute of this item. On XX/XX/ 2025, XXXX XXXX marked the account as " verified '' with no documentation provided to me. On XX/XX/ 2025, Equifax confirmed the account as verified, again without providing supporting evidence. The account remains on my credit report without lawful verification.

Violations : 1. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If the item can not be verified with supporting evidence, it must be deleted.

No such evidence was provided. This is a clear violation.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If this account was ever removed and reinserted, you were required to : Obtain certification from the furnisher, and Notify me in writing within 10 business days.

Neither occurred.

3. 15 U.S.C. 1681n Willful Noncompliance You may now be liable for : Statutory damages of up to {$1000.00} per violation Actual damages, including loss of credit opportunities, increased interest rates, and distress Punitive damages for repeated willful misconduct Attorneys fees and court costs 4. 15 U.S.C. 1681o Negligent Noncompliance At minimum, your actions constitute negligence by failing to fulfill your duties under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX - XXXX * * * * Balance : XXXX XXXX XXXX * * XXXX * XXXX XXXX XXXX * * Balance : 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 2025-04-22 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: MD

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2025-04-22 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:
I was a victim of ID Theft and I am attempting to get some accounts removed from my credit report. I have asked Experian several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: VA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 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 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/year> - {$1500.00} I disputed this charge because it was unauthorized. I informed the agent who filed the dispute about a previous incident that occurred and Chime didnt resolve the dispute in my favor and I lost my money ( {$800.00} ). This time the agent filled out the dispute questions and input wrong information. 
When asked : Did you have your card or know where it was when the transaction happened? 
XXXX Yes was the input by the agent but I did not say yes! I clearly stated I didnt have my card in my possession. 
Do you keep your card 's PIN secured? 
Yes How do you store your PIN? 
ON HER WALLET > this answer was input by the agent and is incorrect. I didnt say I store my pin in my wallet. I store my card in my wallet and I use to keep my pin in my wallet when it was stolen from me previously in past time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management states I owe them a debt to which I never signed or agreed to any credit or account with them. Midland continues to harass my wife, other family members and myself. I have asked them to stop with the harassing phone calls and letters as its adding XXXX to my family life and other living situations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX * * * * * * * * * * Balance Owed : {$210.00} XXXX XXXX  XXXX * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX  XXXX * * XXXX * * * * * * * Balance Owed : {$210.00} XXXX XXXX  XXXX * * * * Balance Owed : {$730.00} XXXX XXXX XXXX  * * * * Balance Owed : {$0.00} WEBBNK/FSTR XXXX * * * * XXXX * * * * * Balance Owed : {$0.00} CENTERPOINT XXXX * * * * * Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/year>

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please remove them as they are affecting my ability to obtain credit.

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 2025-04-22 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:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$1500.00}

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 2025-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
I am requesting that Freedom Mortgage remove late mortgage payments reported between XX/XX/XXXX and XX/XX/XXXX from my credit file. These lates occurred while I was actively working with them through a loss mitigation process due to COVID-related financial hardship. 

During this period, I was placed into foreclosure, but was told by Freedom Mortgage representatives to wait while they processed my paperwork. I followed their guidance and entered formal loss mitigation. My mortgage was resolved in full when I sold the home in XX/XX/XXXX. 

These late payments are not representative of my payment historyI made consistent, on-time payments for over XXXX years. The hardship was temporary and directly related to inflation and cost-of-living impacts caused by the pandemic. 

I have attached a detailed goodwill request letter along with a payment summary screenshot showing the exact months in question. 

I am currently applying for a new home loan, and these reported lates are having a significant impact on my ability to qualify. I respectfully ask that the CFPB request Freedom Mortgage to review this matter and consider a goodwill adjustment.

Company response to consumer: Closed with explanation