vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NJ

Complaint narrative:
1 have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online

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 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TomoCredit Inc.
State: TX

Complaint narrative:
I am experiencing an ongoing issue with a company called Tomo Credit, which has been charging my credit card {$19.00} every month for the past two years. Despite never having conducted any business with them, they continue to deduct this amount from my account. I have attempted to block these charges on my credit card, yet they are still managing to process them. Additionally, I have tried to reach out to Tomo Credit for assistance, but my efforts have been unsuccessful, as they operate exclusively online and I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX, XXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Experians unlawful and negligent handling of my credit report. I have noticed a series of discrepancies and violations that I believe constitute improper reporting practices and the illegal use of my personal information. 

Since XX/XX/XXXX, Experian has improperly reinserted outdated and previously resolved items onto my credit report, dating back to XX/XX/XXXX. These accounts were previously addressed and cleared. Their reappearance on my report is a direct violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the re-reporting of outdated or resolved information unless verifiable and accurate.

Furthermore, Experian has erroneously included new charge-offs and debts that were not previously reported or included in my credit history. These fraudulent entries not only damage my credit score but also represent a breach of the FCRA, as well as a violation of my consumer rights to accurate and fair reporting. 

I am deeply concerned that Experians actions are a clear violation of legal reporting standards and consumer protection laws. Their misreporting and wrongful inclusion of inaccurate information have caused significant harm to my creditworthiness, financial standing, and overall reputation. 

I respectfully request that the Consumer Financial Protection Bureau investigate Experians actions and hold them accountable for their illegal and damaging practices. I also seek correction of these inaccuracies and a full restoration of my credit report to its true and accurate state.

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$360.00} from an atm. The machine did not dispense any cash. Machine stated transaction denied and the printed receipt also stated transaction denied. Bank deducted funds from my account and they are ignoring the receipt indicating the transaction was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I opened a CHASE FREEDOM UNLIMITED credit card account mostly because of the {$200.00} bonus offer if I spend {$500.00} within the first 3 months, which I did. Never received the bonus so I called XX/XX/XXXX @ about XXXXXXXX XXXX spoke to ___XXXX_ He said that he put an escalation on the account to receive the {$200.00} bonus. 
He said when I call back, to Refer to notes entered on XX/XX/XXXX and that the Escalation should be resolved in 7-10 business days. 
They responded with a letter on XX/XX/XXXX that my account was not eligible for the promotional offer. But no other explanation as to why. I called back a second time on XX/XX/XXXX to ask why I was not eligible. The person on the phone told me that my card was not part of the promotion. When told her that the promotion was online for that particular card as we spoke, she put me on hold then came back and said that the promotion was not being offered at the time. However, the promotion has been on for months and months. I have been looking at it and contemplating getting the card because of the promotion. And that's where we stand right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: MO

Complaint narrative:
A rule recently proposed by the CFPB bans medical bills from credit reports. The rule, if finalized, means debt collectors can not use credit reporting to push you into paying medical bills, including inaccurate bills that you do not owe.

SB 1061 by XXXX XXXX XXXX ( XXXX XXXX ) targets the devastating impact of medical debt on consumers. Under this new law, medical debt will no longer be included on consumers ' credit reports, ensuring that people are not penalized for the high costs of necessary healthcare. 



This is also a HIPPA Violation The HIPAA Privacy Rule also applies to medical debt collection. The HIPAA Privacy Rule protects the confidentiality of patients health information. This means that debt collectors can not disclose a patients medical information without their consent, even if they are owed money. 

This is also in violation of the NO SURPRISE RULE PLEASE REMOVE ALL NEGATIVE INFORMATION FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: DISCOVER BANK
State: CA

Complaint narrative:
Those 3 accounts are opened fraudulently, using my personal info, There are not related to me, I have never applied for those credit cards, and never used them. 

XXXX. XXXX XXXX Closed XXXXXXXX XXXX XXXX - Closed XXXX XXXX XXXX XXXX - Closed Balance {$4500.00} Updated on XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
Those XXXX accounts are opened fraudulently, using my personal info, There are not related to me, I have never applied for those credit cards, and never used them. 

XXXX. XXXX XXXX Closed XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed XXXX {$4500.00} Updated on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY 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 2025-01-10 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: VA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax XXXX XXXX where my personal information has been exposed. My identity has been stolen and I am so XXXX. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX XXXX XXXXXXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I went to Truist Bank XXXX XXXX XXXX ( XXXX ) XXXX Closed by bank checking account # XXXX XXXX, because I was charged an over draft charge of {$30.00}. 
Went in bank closed account and took my {$15000.00}. 
XXXX told me the account was closed. 
On XX/XX/XXXX Truist bank mail a check {$90.00} to an old gardener we used. 
started receiving notices after XXXX XXXX to call bank my account was over drawing. 
went to bank told them account was closed on XX/XX/XXXX, teller said she would fix the problem. 
on XX/XX/XXXX Truist mail another {$90.00} check to the gardener, which hasn't been our gardener for months. 
Got more notices from Truist bank about over drafts and fee 's went to Truist bank was told they will fix it again. 
Got more notices to call the bank customer service, was told they would retrieve the money from the gardener account since he banked with Truist bank also. 
XXXX XX/XX/XXXX Truist bank mailed another $ XXXX to the gardener account. 
This XXXX  months in a row a {$90.00} check was mailed from account that has been closed for over XXXX  months. 
all this time charging me fee 's for over drafts on a closed account. 
No in XXXX started receiving letters from collection agency. 
went to XXXX XXXX the teller said I must all the monies even if XXXX made the mistake. 
I would Truist to clean all this mess the teller made.

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 2025-01-10 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX  XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
I recieved a refund for a prescription i got on XX/XX/XXXX. The refund was given to me on XX/XX/XXXX at XXXX am. Cash app shows i have a refund amount of XXXX but its not available cor me to spend. They said its processing and it can take XXXX business days. The app shows they have recieved the money and they wont give me a reply of why its not on my account. Last time i had an issue like this with them it took me XXXX  days to recieve my money. They keep lying and saying the merchant has my money and thats not trye at all. They show what day and time they recieved it but wont give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX : Dispute of Charge-Offs and Late Payments on Capital One Account [ XXXX ] ** Dear Sir/Madam, I am writing to formally dispute the charge-offs and late payments reported on my Capital One account ( Account number : XXXX ). The entries related to this account, particularly the charge-offs and late payment reports, are inaccurate and unfairly damaging my credit report. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these discrepancies under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The reported balance of {$1100.00} is highly concerning, as it does not reflect the accurate status of my account at the time the charge-offs and late payments were reported. These errors constitute a violation of my rights under the FCRA and other federal laws designed to protect consumers from unjust credit reporting practices. 

Specifically : XXXX. XXXX XXXX and XXXX XXXX : The charge-offs and late payment reports associated with my Capital One account do not reflect the true history of the account. I did not receive proper notice or adequate time to address these issues, and in some instances, the charges were applied unfairly or inaccurately. The late payments reported do not align with my actual payment history or the agreed terms. 

XXXX. **Violation of Consumer Protection Laws** : I believe these inaccuracies are in violation of the Fair Credit Reporting Act, which mandates that all information reported to credit agencies must be accurate and substantiated. The charge-offs and late payments on my Capital One account are not only incorrect but have also caused significant harm to my XXXX XXXX, making it difficult to obtain necessary financial services. 

I am requesting that the CFPB take immediate action to : XXXX. Investigate the charge-offs and late payments reported by Capital One on this account. 
XXXX. Correct any inaccuracies found during the investigation. 
XXXX. Ensure that Capital One provides sufficient documentation to substantiate the reported charge-offs and late payments. 
XXXX. Remove any false information that does not comply with federal law. 

I am fully committed to resolving this matter and would appreciate your timely intervention. I expect a prompt response confirming that my complaint has been received and is being investigated. 

Please contact me at XXXX if further information is needed. 

Thank you for your attention to this critical matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I traded in my vehicle to XXXX XXXX XXXX and the dealership sent the payoff check to Bank of America. I have included the payoff receipt for record. The check was not cashed due to an error on the part of the dealership and Bank of America recorded my account as late. I am including a letter from the dealership stating the error. All of this was out of my control and I want my account updated to reflect PAID ON TIME and have the late payments removed and updated to current. 

I have tried several times to contact BofA directly. I have spoken with managers, regional managers, attempted to escalate this issue higher, and no one will help me. 

This has caused me much difficulty, emotional distress, and financial damages because of the impact to my XXXX XXXX and the consequences of that. I will be seeking counsel and legal action if this is not addressed and corrected by BofA 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 monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX  - XXXX - {$1200.00} Inquiry XXXX XXXX  XXXX XX/XX/year> Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation