vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
AROUND XX/XX/XXXX MY ATM ( DEBIT CARD ) WAS HACKED. I NOTIFIED BANK OF AMERICA THAT MY ACCOUNT APPEARED TO BE HACKED AND THAT I STILL HAD MY DEBIT CARD WITH ME. A {$900.00} ATM WITHDRAWL WAS TAKEN OUT OF MY BANK ACCOUNT THRU AN ATM WITHDRAWL. I NEVER TOOK OUT THIS WITHDRAWL. I NEVER IN MY HISTORY WITH BANK OF AMERICA EVER TOOK OUT MORE THEN {$500.00} THRU AN ATM. THAT CAN BE CHECKED WITH MY HISTORY. BANK OF AMERICA INITIALLY GAVE ME A TEMPORARY CREDIT OF {$900.00}. TODAY ( XX/XX/XXXX ) BANK OF AMERICA NOTIFIED ME THAT THEY ARE TAKING BACK THE TE, XXXX XXXX {$900.00} OUT OF MY ACCOUNT ON XX/XX/XXXX. THIS IS COMPLETELY UNACCEPTABLE AS I OR NO ONE IN MY FAMILY EVER MADE A {$900.00} WITHDRAWL OUT OF MY ACCOUNT. BANK OF AMERICA IS COMPLETELY OUT OF LINE IN THIS AND I WANT THE TEMPORARY CLAIM OF {$900.00} TO BE REINSTATED TO MY ACCOUNT. MY CLAIM NUMBER IS 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 monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXXXXXX

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Army and Air Force Exchange Service
State: WI

Complaint narrative:
I called exchange services and let them know there was an error, The system was not accepting my payment method and would not let me login. They assured me this was getting taken care of and I could ignore future notices. They then submitted a garnishment notice to my employer, and intercepted my tax refund. Debt was payed off XX/XX/XXXX and they are still garnishing wages ( XX/XX/XXXX ). When I called they told me " You have to find it with your payroll department we will not send out a cancellation '' When I asked where the nearly XXXX extra they collected went they said " you have to get that back from your employer '' ignoring the fact that my account shows a negative balance and they did cash all the checks. I called them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They do not show and conveniently do not have the record from the XX/XX/XXXX call. The letter states " you have a credit balance please call and request a refund '' which they vehemently refused to give me.

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 2025-04-29 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: MI

Complaint narrative:
Please see supporting Documentation pertaining to EQUIFAX XXXX BREACH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-04-29 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: LA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) I am formally demanding the immediate deletion of the accounts you are reporting under my name, as it is fraudulent and inaccurate.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), it is illegal to report information you know or should know is inaccurate. Continued reporting of this false account is a violation of federal law.

You have 15 days from the date of this letter to delete the account from all credit bureaus and provide me written confirmation. If you fail to do so, I will take legal action to protect my rights, including seeking damages under 15 U.S.C. 1681n and 1681o. 

HERE ARE 3 FTC CASES AS AN ATTACTMENT FTC Report Number : FTC Report Number : FTC Report Number : XXXX XXXX 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 2025-04-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I was charged by XXXX XXXX XXXX, a home appliance repair company ( AHS ) {$49.00} and {$29.00} as a monthly service fees. I called AHS and complained that I was charged twice. They immediately admitted and told me that it should be only {$29.00} and promised me to refund me {$49.00}. However, I didn't see this refund on my next statement, therefore, I called Citi credit card XXXX and they insisted first that it was the legitimate transaction as the merchant submitted the legitimate information and they did not issue me a refund. Then I sent them a copy of the email sent from XXXX stating that they had already issued me a refund ( its email is attached ). They say " Please be aware that {$49.00} already credited to her account '' on XX/XX/XXXX, but this time Citi credit card said they never received the refund from XXXX. 
As Citi Credit card XXXX requested their supporting document, I sent them AHS 's payment ID and the time when AHS refunded my money ( documents attached ). Nevertheless, Citi XXXX sent me the exact same letter as the one they sent me before I submitted all the required document and refused to pay me back {$49.00} and still refused me a refund. 
I have been caught between Citi Credit card XXXX and the merchant and this problem has been going on since XXXX, XXXX and just going no where. What I really want is the direct talk between Citi credit card company and AHS, then the issue would be resolved immediately. I believe either Citi card or AHS is not telling me the truth and I truly appreciate your intervention into this matter. 

Truly yours, XXXX XXXX XXXX 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 2025-04-28 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: Bounce AI, Inc.
State: PA

Complaint narrative:
I am filing this complaint because Bounce AI is reporting inaccurate information on my credit report, that violates the XXXX pandemic guidelines of the FCRA. 

In XX/XX/year>, I agreed to a XXXX that included : 2 months of forbearance ( XXXX and XX/XX/year> ) 4 months of reduced payments at {$420.00} per month from XX/XX/year>, through XX/XX/year>. 

This modification happened during the XXXX covered period under the CARES Act, which protected consumers from negative credit reporting if they followed the modified terms and Even though I complied with the new payment agreement : Bounce AI still charged me the old, original higher payment amount instead of the reduced amount. 
They reported missed payments and charged off amounts based on the original payment schedule, not the modified Payments which inflated the balance owed and made it appear that I was not making payments correctly. 

This violated the Fair Credit Reporting Act ( FCRA ) and the CARES Act because they failed to report my account properly after the modification and tried to collect amounts I no longer owed under the new terms. this is not a duplicate complaint this raises a total different issue, which is violations of the care act so this complete should not be marked as a duplicate because it raises a total separate issue that was not or has not been raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Follow up to unaddressed complaint from XX/XX/XXXX. 

Mohela did not address my complaint and did not effectively research to obtain accurate requested student loan balances nor, did they provide any documentation to support research and/ or validity of debt. My issue is still unaddressed & their systems are stating fraudulent balances!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I have submitted several disputes with Experian, TransUnion and Equifax for multiple inaccurate accounts with many legal violations and never shown any real legal proof of validation and they refuse to remove these accounts and just say there validated.

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 2025-04-28 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: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-28 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: MS

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$620.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$190.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$3800.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$250.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$160.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XXXX XXXX, XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XXXX XXXXXXXX XXXXXXXX

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 2025-04-28 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted several disputes with Experian, TransUnion and Equifax for multiple inaccurate accounts with many legal violations and never shown any real legal proof of validation and they refuse to remove these accounts and just say there validated.

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 2025-04-29 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: FL

Complaint narrative:
I have submitted several disputes with Experian, TransUnion and Equifax for multiple inaccurate accounts with many legal violations and never shown any real legal proof of validation and they refuse to remove these accounts and just say there validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NM

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax is inaccurately reporting outdated personal information including the alias " XXXX XXXX, '' current address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and previous addresses at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This incorrect information compromises the accuracy of my credit file. Under 15 USC 1681e ( b ), Equifax has a legal obligation to maintain accurate records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
I HAVE UPLOADED TO YOU GUYS MU HUMAN TRAFFICKING UNDER 605C DOCUMENTS BECAUSE I AM A VICTIM OF XXXX XXXX. PLEASE HELP ME REMOVE THE ACCOUNTS I HAVE REPORTED TO 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