vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: MD

Complaint narrative:
I am formally requesting the removal of multiple inaccurate revolving accounts that are currently being reported on my credit file by Experian, Equifax, and XXXX. These accounts contain incorrect information, including erroneous balances, payment history discrepancies, and accounts that I do not recognize or no longer have financial responsibility for. Despite my previous attempts to dispute these inaccuracies directly with the credit bureaus, they remain on my report, negatively impacting my credit profile. 

1. Upon reviewing my credit report, I discovered that several revolving accounts were being inaccurately reported.

2. These accounts contain inconsistent or unverifiable data, including incorrect late payments, balances, and statuses.

3. Some accounts listed as open or delinquent should not be associated with me, as I have no active obligation to them.

4. I submitted disputes to the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), yet the inaccuracies persist without proper investigation or validation from the furnishers.

5. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate information, yet these accounts remain on my file despite my request for validation. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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.

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 2025-02-17 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: NY

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. 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 explanation
Consumer complaint received 2025-02-17 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: Experian Information Solutions Inc.
State: MS

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.

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 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: PA

Complaint narrative:
I field a dispute with Equifax, Experian and Transunion to remove the bankruptcy from my report, dealing with inaccurate information that can not be verified through document. They haven't shown any documents of verification.

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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This third party company, Shellpoint Mortgage Servicing ( who took over debt collection for XXXX XXXX XXXX ) has been collecting an unverified debt from me for several months. They have begun auto-debiting my bank account in the amount of {$340.00}, which I have not authorized. In addition, I've paid the following in recent months : XXXX {$430.00} XXXX {$390.00} XXXX {$260.00} XXXX {$580.00} XXXX {$260.00} XXXX {$260.00} XXXX {$130.00} XXXX {$200.00} My Current Balance, according to this creditor is XXXX Additionally, more recently ( XXXX ), this company attempted to debit my account three separate times for upwards of {$400.00} each time. One of the three debits remained only after I called to complain about the prior two. The daily finance charges compounded in addition to the monthly finance charges on this account balance seem unusual and predatory. 

XXXX XXXX XXXX XXXX living off of only my social security check. I'm unable to pay my monthly bills with a company like this skimming money from me. I'm also not tech savvy and feel I'm being taken advantage of. I can't recall with whom the original loan was held or verify whether this company has any rights to claim this debt and seek payments from me. The account has changed hands so many times I no longer know who I've been paying or why!

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 2025-02-17 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: PA

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.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was walking off of a plane, and received a phone call from a man claiming to be the Fraud Manager of the Bank of America fraud department. The caller ID phone number was actually the Bank of America phone number at XXXX... so I didn't question it. He then said that he just needed me to 'tap ' a few steps on my online banking app to 'fix the problem before money gets taken out because of this Identity theft going on. SO, I reluctantly clicked the steps he asked me to take, and he ended up walking me through WIRING him two transactions totally over {$49000.00}. I still didn't believe it was a scam, but the same person, named XXXX XXXX called me the next day at XXXX sharp and actually asked me to go to my local bank, take out cash and send it to him- his reason was that the FDIC needed to see the serial numbers on the bills so that they know it came from me. It obviously didn't sound right, however, I did stupidly send $ XXXX more to this f**cker, and I finally called the REAL Bank of America fraud department and that's when I knew it was 100 % scam. I'm humiliated, embarrassed, XXXX XXXX XXXX and that {$64000.00} is all of my saving for the last 20 years. I filed a report with the bank, the FBI, the local police, the county and now to you. PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
**Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXXFederal Trade Commission** XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Experian CRA XXXX Credit Reporting Agency ) accessed my credit report without my consent on XX/XX/year> and closed XXXX XXXX account. on my credit report. This is considered identity theft, as it involves someone using my personal information without my permission to significantly alter my financial standing.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information present on my credit report. Upon reviewing my report, I identified several discrepancies that do not reflect the truth of my financial history. I have always made it a priority to ensure that my credit matters are handled with the utmost care and responsibility, so I am confident that these errors do not belong on my record.

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 2025-02-17 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: PA

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.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
The lender sold the dip to a collector. It appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I had a car loan with Bridgecrest ' starting on XX/XX/XXXX ; it was a XXXX loan. In XX/XX/XXXX I received a two-month modification extending my loan to XXXX XXXX all payments were made. upon completion of the loan term Bridgecrest stated there still is a balance of {$990.00}. I went through the transaction history, the total amount paid on the loan was XXXX. The total payment amount on the loan originally was XXXX and interest was XXXX and principle XXXX. According to the modification {$690.00} was added to the end of the loan. According to my calculations I don't understand how I still owe them {$990.00}. after repeatedly speaking with them Bridgecrest continue to insist I've only paid {$16000.00} in principle and {$7000.00} in interest totaling XXXX. This is still not adding up to me owing {$990.00}. There are many discrepancies in email totals and transactions postings, and Bridgecrest continues to report my account to the credit agencies as late. I just want them to send my title because I believe I have made all payments, and I truly believe I've overpaid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

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 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I opened a new checking account with Citibank at the local branch. I deposited a check for {$15000.00} to open the account. They then put a hold on that check for XXXX  days. When the funds became available and I received my ATM card in the mail, I performed a few transactions on the account by transferring some money to a friend through XXXX. The total of these transactions was only {$120.00} total. XXXX for {$20.00} and another for {$100.00}. I then received a message online that my account was frozen and under investigation by the fraud division. I was given a number to call which I did. They had no information to offer me except that it was under review for XXXX hours. They told me if I needed further information to go to the branch where I opened the account. I went to the branch and they called that division and again could not give me any further information except that my account was on hold but I did have access to funds but could not wire transfer. When I asked the branch XXXX to provide my balance in cash, she said she had to make a phone call first. After that phone call they completely froze my account from any transactions and essentially took my money and said they were closing my account and I may receive funds in the next XXXX  days. I have called several times and let them know they can not take my funds and keep them as well as not provide any explanation. They can not or will not give me a phone number to dispute this and the fraud division conveniently does not take phone calls. I have researched this online and there are XXXX 's of these cases that have the same baseline story as my own. This is criminal and they think they are above the law. It's a wonder why people don't trust the american banking system.

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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. Credence does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this debt.

Company response to consumer: Closed with non-monetary relief