vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: MO

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-01-01 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: GA

Complaint narrative:
XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a account opened at ( 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  These Accounts have resulted in several hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-01 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:
XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a account opened at ( XXXX XXXX XXXX acct XXXX XXXX XXXX ), Two collection accounts from ( XXXX XXXX XXXX opened XXXX XXXX and XXXX XXXX ). Hard inquiry from ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), Hard inquiry from ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX and XX/XX/XXXX ). ( XXXX XXXX ). These Accounts have resulted in several hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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 am writing to formally request the removal of a XX/XX/year> late payment entry from XXXX XXXX on my credit report. I believe this entry does not meet the accuracy, fairness, or privacy standards outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
XXXXUpon reviewing my credit report, I noticed this late payment listing, which I believe is either inaccurate or should not be included. As a consumer, I am entitled to privacy under 15 U.S.C.

1681 ( 4 ), and any irrelevant or outdated information that does not impact future transactions should be excluded. The inclusion of this late payment fails to meet the standards of accuracy and integrity required under 15 U.S.C. 1681e.

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 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: NY

Complaint narrative:
I deposited a check for {$80.00} on XX/XX/year> with Key Bank via their mobile app. The check cleared and was credited to my account. 4 days later, Key Bank hit me with a {$72.00} fee. They claimed that the check was only actually written for {$8.00}, not {$80.00}. The teller attempted to make a false claim that what is written is what they care about. Everything on a check is written. 

The bank attempted to claim that they tried to contact me about the check issue. They did NOT attempt to contact me. They claimed to have sent a letter on the XXXX, which is impossible because it is the same date that they charged me the fee. I have the mobile checking app. I do not have a single message from them notifying me of any issue. 

Today, XX/XX/year> I received the " letter '' they claim to have sent me over four days prior. I received this in my primary email. The letter claims nothing about the check, only that my account, which I had brought up to snuff the day prior, was still overdrawn. 

When I attempted to resolve this issue, the reps claimed that this was my issue, that they had attempted to contact me. At no point did they try and work with me as I straightened out the issue with the check. I did not want a massive fix, just the fee associated with their mistake - again, it had been 4 days since they had cashed the check, and they had waited until after I'd made a purchase to decide that there weren't sufficient funds. But that did not stop them from allowing the purchase of the item before the XXXX. And the check and funds in the account- this is a secondary account - would have been more than enough to cover the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After missing a single payment on my Bank of America credit card, my account was marked as Suspended. When I log into my account, I see the following message : Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. Because your account is suspended, you are currently unable to use all of Bill Pay 's features.

This suspension has made it nearly impossible for me to access my account to make payments online or through the mobile app. Each time I try to resolve this by calling customer service, I encounter long wait times, and the issue remains unresolved.

As a result, I continue to incur late payment fees and negative credit reporting, even though I have been making honest efforts to pay off my balance in full. It feels as though Bank of America is forcefully keeping me in debt by restricting my ability to make payments easily. 

Steps Ive taken to resolve the issue : I have contacted Bank of America customer service multiple times to try to resolve the suspension and regain access to my account.

Despite my efforts, I am still unable to access online or mobile banking features, making it extremely difficult to manage my account or avoid further penalties. 
The impact on me : I am being charged recurring late fees, penalties, and interests due to the restricted access. 
My credit score has likely been negatively affected due to the late payment reports.

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 2025-01-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX-ACCOUNT- # XXXX I recently looked at my credit report after requesting reinvestigation and noticed several inaccuracies that are still present on my account. I am demanding proof of the first investigation that was conducted, please forward all material related to such investigation to my home address listed above. 
This account is hurting my ability to obtain credit. This account was charged off XX/XX/year> since then this account has repeatedly been updated as a charge off every single month for the past 46 months. This is an update in the payment history as a charge off every month. A charged off account should not include an active payment history, this inaccurate information falsely manipulates the statute of limitation you failed to investigate this account properly and have neglected my rights which is protected by federal law according to section 15 U.S.C 1681 ( 5 ) ( i ). I am demanding a deletion of The following account. XXXX XXXX XXXX ACCOUNT # 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 2025-01-01 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account XXXX XXXX XXXX Account numbe XXXX However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-01 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: OH

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
The fraudulent and inaccurate information appearing on my consumer report has persisted despite my repeated efforts to address these unauthorized entries. As a confirmed victim of identity theft, I never authorized or consented to these items being associated with my name, and their continued presence has caused immense personal distress while significantly disrupting my financial wellbeing. The emotional toll of dealing with this identity theft has been overwhelming, affecting my daily life and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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

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. 


Account Name : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: CA

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. 

List of Unauthorized 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: DE

Complaint narrative:
On XX/XX/XXXX upon noticing a receipt from a company called XXXX I reached out to the merchant and advised them that I did not authorize this transaction and I would like my money refunded as soon as possible. It should be noted that I reached out immediately upon receiving the receipt on XX/XX/XXXX and the transaction was still in processing stages. There is no contact number for the merchant. Just a support email for matters related to the above. I reached out to chime, my financial company, and informed them of the matter at hand and a dispute was filed. It should be noted that no prior transactions were made to this merchant and the item in question is a XXXX XXXX XXXX XXXXXXXX. In which further confirms that such item could not have been from me. 
On XX/XX/XXXX I received a email from chime that my dispute was denied. I immediately called chime to ask for an explanation as to why my claim was denied, however chime failed to provide me with a reasonable explanation as to why. It should be noted that as of today XX/XX/XXXX the item in question still has not been received. There has still been no response from the merchant to me or to chime. Chime still has not provided me with an explanation as to why my claim was denied and I believe my rights are being violated. Chime sent me a link of what evidence they used to make there determination and it only included evidence I submitted in, which was emails that I sent to the merchant advising them that this transaction was unauthorized and requesting a refund. On XX/XX/XXXX I checked the status of the item and it is still reflecting in the merchant system as pending with a frivolous order document of the item.

Company response to consumer: Closed with explanation