vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing to formally request an investigation into XXXX XXXX for potential violations of regulations governing financial institutions, including possible violations of XXXX rules, in connection with the handling of my brokerage account. Their repeated delays, lack of transparency, and failure to release my funds have caused significant financial and emotional distress, and I believe their actions warrant immediate scrutiny. 

I opened an account with XXXX XXXX on XX/XX/year>, and shortly thereafter, my account was subjected to restrictions. Despite adhering to all instructions provided by XXXX XXXX, including a visit to their branch office to provide my identification and verify my account, they have continued to impose restrictions and deny access to my funds. 

On XX/XX/year>, I visited XXXX XXXX XXXX XXXX, PA office and presented all requested identification documents. Their staff confirmed that my identity had been successfully verified. However, even after fulfilling these requirements, XXXX XXXX has continued to find reasons to delay the release of my funds and the reactivation of my account. 

Their representatives have failed to provide a clear explanation for these restrictions or a timeline for resolution. This lack of transparency and prolonged delay raises significant concerns about their compliance with applicable financial regulations and fair treatment of customers. 

I respectfully request that the CFPB investigate XXXX XXXX  practices to ensure they are in compliance with all regulatory requirements and consumer protection laws. Their actions have not only caused undue hardship but also highlight systemic issues that may affect other customers. 

Thank you for your time and attention to this matter. I am available to provide any additional documentation or details to support your investigation.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX a credit report request was generated by leasing office to check background, tenant history and credit history. On Tuesday XX/XX/XXXX, the leasing office stated that experian, one of the credit bureaus reported that my SSN as recorded as a person who is retired and deceased with wrong dob and a recorded date of death. I immediately called XXXX and disputed this. I was denied leasing at a resident complex named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to misinformation on my credit report. There were also many billing information not belonging to me including address records. In addition they told me someone from XXXX  was using or changed my SSN and information and probably using it fraudulently making this a crime of ID theft and I am now a victim. I have since paid for credit repair and investigation through experian using a service called XXXX XXXX and still is under investigation. I will also file a local police report in addition to this FTC complaint. I found letters one dated XX/XX/XXXX of data breach from Advance America where my SSN was impacted. I just found letters through some old mail I received that were not opened due a recent move and also found another from a company named XXXX on XX/XX/XXXX who uses a software called XXXX transfer and my personal records including my XXXX children SSNs and records of that were impacted through the XXXX XXXX  database. I will attach one of those letters for one child and the one from Advance America. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
It's been two years now and the mortgage Co has played games with my mortgage XXXXXXXX XXXX XXXX XXXX times and has again declined my XXXX for the 2nd or 3rd time due to their underwriting department requiring things that are NOT requirements by the county or state to have it recorded. They have rejected the notary 5 times now. I had them send someone out to me this last time and still they rejected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I had a vehicle with them before some 1 hit me on the seducer side door an bent it a little so I was told to drop it off at a repair shop in XXXXThen was told it would take some time to get it fixed the lady who hit me insurance paid for my rental a day later the shop called me an said my car lot totaled to car out without them telling me an forced me to get in another car from the same car lot an also had to put money down on a vehicle I did not like or want but had no choice at the time an I never received any paper work or nothing an I was asking for it about 5 months then the car had problems an the lot told me we are backed up right now so we dont know when we will be able to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I am writing to formally dispute and file complaint to TRANSUNION for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.

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 2025-01-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern, I am writing to express my deep disappointment and to file a complaint against TD bank with a handling of a fraud claim # XXXX XXXX I recently submitted regarding my credit card account. The matter involves a transaction dated XX/XX/XXXX and XXXX of XXXX totaling amount {$1300.00} and {$3.00} which I did not authorize and noticed bank in promptly matter as soon as I noticed what was going on in my account. Despite providing all necessary documentation and a detailed explanation, I have been informed that my claim has been denied. 

This decision is both surprising and disheartening, given the clear circumstances surrounding the transaction. As a standing customer of TD Bank, I have trusted this institution to protect my financial interests and uphold the highest standards of security and service. Unfortunately, this experience has severely shaken that trust. 

I provided the following evidence to support my claim : Police report, Letter from my job that I was working during those dates and that is impossible for me to be at those location where fraud occurred. 

Also, the large fraud is an XXXX transaction, fraud department never took their due diligent to even contact the detective or XXXX XXXX directly to investigate, since all XXXX products have a serial number and a way to track any XXXX device. I even called XXXX directly and they said once bank or detective reaches out to us with police report we will able toProvide further details and take further actions, even refunds transaction because this happens a lot but in order for them to help me due to consumer privacy, bank and police have to do it with them directly. TD fraud representative of my claim did not care to help or even call the detective or XXXX XXXX to solve this issue and do their fiduciary action to look out for me their client. 

Despite this, the denial of my fraud claim was communicated without a comprehensive explanation, leaving me with unanswered questions and unresolved concerns. This lack of transparency has only added to my frustration. 

I had called, gone to the bank several times asking for a review of this matter, including any evidence the team relied on to reach the denial decision. Furthermore, I was expected to be provided with detailed reasoning for this outcome. If there was a misunderstanding or insufficient evidence from my side, I am more than willing to provide additional information to support my case. This directly impacts my financial security and peace of mind. And I need help dealing with this situation with TD bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments reported on my account. Please provide statements and records of all payments made and missed since I opened this account for review. 
I also do not agree with the results of your investigation. Please mail me the proof of your investigation and documentation showing the negative payment status for this account. If you are unable to provide this, I request that the negative information be deleted. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I am disputing the missed and late payments reported on my account XXXX. Please provide statements and records of all payments made and missed since I opened this account for review. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The items in question are either inaccurately reported or have already been resolved, and I am requesting a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. 
Please investigate this matter promptly and update my credit report to ensure it reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Experian Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores. 

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history. 

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference. 

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order. 

With my prior written consent. 

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction. 

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order. 

With the consumer 's written consent. 

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.

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 2025-01-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Department Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Unauthorized Inquiry on My Credit Report Dear Experian Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history.

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference.

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order. 

With my prior written consent. 

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction. 

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order. 

With the consumer 's written consent. 

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.

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