vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> recieved text from Bank of America VISA that Credit Charge of {$1500.00} was denied to XXXX XXXX, then BOA approved payment of {$1600.00}. I called BOA Visa that day to inform them that this was not me & it was a fraud. I was told I could not protest charge until it posted. About a week later I saw that it was posted & called BOA & told them it was a fraud. 
XXXX Letter from BOA Claim No. XXXX informing me that they denied my claim. They sent me a list of charges from XXXX which listed prior purchases on XXXX  which were correct. All charges to the XXXX XXXX XXXX were not authorized. I have had no commnication with him and have no idea what the product or service was. 
XXXX I called XXXX XXXX ( XXXX XXXX ID : XXXX ) talked with XXXX ( not sure about Spelling she was from somewhere in XXXX & I had a hard time communicateing with her ) call lasted 29 minutes ; I protested charge & asked for merchant contact information ; she could only give me email address of XXXX & said they had no other address or phone number. She also said he is no longer on XXXX but the funds were delivered to him. I asked for records showing payment and information on XXXX XXXX. Also emailed XXXX. No response from XXXX or XXXX XXXX. 
XXXX got documents from BOA Visa XXXX got notice that claim is complete with BOA Visa my claim denied I have talked with BOA fraud personel at least 3 times on a recorded line & explained my position. They seem to understand & then I get written notices that my claim was denied. 
Their letter dated XXXX said merchant provided documentation confirming that I recieved the merchandise or service. That is false & have told BOA that it is false. 

Note : My complaint is about Bank of Americia VISA XXXX XXXX. Below there is only room for one company.

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 2025-03-26 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-03-26 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: KY

Complaint narrative:
I am writing to formally dispute an erroneous entry on my credit report that was made by the XXXX without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported to credit reporting agencies is accurate, complete, and verifiable. Since I did not authorize this reporting nor was I notified in accordance with the FCRA, I request that all negative items be removed from my credit report immediately. 

Please provide documentation supporting the basis for this reporting, including any consent I may have provided to allow this entry. If no such documentation exists, I request that you remove this negative information from my credit report. I would like my signature mailed to me from the exact company not a third party.

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 2025-03-26 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:
I am formally disputing the following negative items on my credit report XXXX XXXX XXXX XX/XX/year> {$4900.00} 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 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : ACIMA DIGITAL FKA SIMP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: RI

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 non-monetary relief
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Pleased remove these unauthorized inquiries on my credit Report immediately that's reporting on transunion Experian and Equifax credit 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally demand that you immediately cease and desist from reporting inaccurate, unfair, or outdated information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer credit laws. I have recently reviewed my credit report and identified the following issues that I believe are in direct violation of my rights as a consumer : These inaccuracies are harming my credit score and adversely affecting my ability to obtain credit, housing, and other financial services. I have made reasonable efforts to dispute these entries through [ insert method, such as " the dispute process, '' " your online portal, '' etc. ], but they have not been addressed adequately or in compliance with the FCRA. Under the FCRA, I am entitled to a fair and accurate credit report. Your failure to correct these errors violates my rights as a consumer. I am also concerned that these inaccuracies may be the result of negligence, miscommunication, or intentional disregard of my rights. This letter serves as a formal demand that you : Cease and desist from reporting any further inaccurate, outdated, or unfair information about my credit. Correct or delete the inaccuracies in question within 30 days as required by the FCRA. Provide written confirmation that these issues have been resolved and that my credit report has been updated accordingly. Please note that if this issue is not resolved within 30 days of the receipt of this letter, I will be forced to take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal action for damages caused by this violation. I expect to receive your response and confirmation of the corrections made no later than [ insert specific date, which should be 14 days from the letter date ]. Thank you for your prompt attention to this matter. 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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WI

Complaint narrative:
I have called, emailed and chatted with the company. I could not get any information. I was told that I MUST use the chat box and that I could not speak with anyone. I was told that I could not have the person 's name and that I could not speak with a manager or supervisor and that they only communication would need to be online in a XXXX XXXX. I asked what if I did not have computer access and they said then you couldn't deal with our company. I find this very difficult for the older population who do not use computers. They must be required to have policy and customer service set up for speaking with someone. Eventually person I spoke with said that I can't help you and hung up the phone. I have called and text for several days. I know that a class action lawsuit was recently settled but they have not learned a lesson and need to improve customer service Actually have supervisors to talk with or escalate important issues. I was told that they do not make outbound phone calls and I would not receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-03-26 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: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than XXXX  days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Our home mortgage is through Chase, and we had a lapse in homeowners insurance in 2024 - an oversight which we are accountable for. Chase discovered this months later and notified us, at which point we were unable to secure insurance to cover the gap. As a result, Chase provided insurance at an astonishingly high level. The annual premium was 4 times the rate of our comprehensive cover. Plus, the insurance is to cover Chase for their risk ( not us as homeowners ) and the outstanding mortgage is perhaps one tenth the value of the home- so limiting their risk considerably. It is clear that this is price gouging, as they take advantage of homeowners that have no options in the insurance market to secure their own cover- we called several companies, and they all said they do not provide insurance retro-actively, only prospectively. 

I will be sending Chase a copy of this complaint, though they have already charged our escrow account {$6700.00} which is excessive for Chase 's risk exposure, and abusive to our long-term client relationship. 

Thank you for considering this complaint along with other, similar, complaints- in order to address with Chase appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: NC

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Millco Management
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute the outstanding balance of {$1500.00} on my account. This bill was supposed to be paid through my settlement funds several years ago, but unfortunately, my attorney failed to handle this matter as agreed. 

At the time of my settlement, I instructed my lawyer to ensure that all outstanding bills, including this one, would be paid directly out of my settlement funds. However, it appears that the payment was not made, and the issue was not addressed properly. 

I request that you review the account and consider that the responsibility for this payment was transferred to my lawyer at the time. I am currently in the process of addressing this oversight with my legal representation. I kindly ask that you work with me to resolve this issue without further penalties or collection actions while I work on resolving this matter with my attorney. 

Please confirm receipt of this letter and inform me of any steps I need to take to resolve this matter. I appreciate your understanding and cooperation in this situation and look forward to a fair resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: DE

Complaint narrative:
Pleased remove these unauthorized inquiries on my credit Report immediately that's reporting on transunion Experian and Equifax credit 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 non-monetary relief
Consumer complaint received 2025-03-26 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: DE

Complaint narrative:
Pleased remove these unauthorized inquiries on my credit Report immediately that's reporting on transunion Experian and Equifax credit report.

Company response to consumer: Closed with explanation