vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: 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. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-11 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: 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. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I sent a money transfer to my wife account from bank of america to XXXX XXXX  through zelle using my wife cellphone number in amount of {$2900.00} in XX/XX/year>. Somehow my wife cellphone number was hacked and the money did not go to her account it went into someone else 's account. I notified bank of america and told them that the money I sent to my wife chase account was not received. Bank of America told me that there was nothing they can do. I had to contact zelle directly. I contacted XXXX they told me that there was nothing they could do. My wife notified XXXX and XXXX and XXXX told her that her phone number was hacked and that the funds went into a different person account and that XXXX could not reverse the transaction and that there was nothing we could do.

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 2025-01-11 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX5 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Subject : Complaint Regarding Missing Rewards Points on Ulta Rewards XXXX To Whom It May Concern, I am filing this complaint against Comenity Bank, the issuer of the Ulta Rewards XXXX, due to ongoing issues with missing rewards points. The credit card program explicitly advertises that cardholders earn points on both Ulta and non-Ulta purchases. Since opening the account in XX/XX/year>, I have made over {$1000.00} in Ulta and non-Ulta purchases and have not received any points for these transactions, despite paying my bills on time and in full every month.

I have contacted the credit cards customer service department more than five times to resolve this issue. Each time, I have been given vague responses and promises of follow-up calls that never happen. Despite my persistence, no one has provided a resolution or credited the missing points to my account. 

This situation constitutes a failure to deliver the benefits promised under the terms of the credit card agreement. I have reviewed the terms of the rewards program, and my purchases clearly meet the criteria for earning points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I am getting multiple phone calls from different states

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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I stayed at a hotel they returned my incedental fee, the bank requested I got a letter head stating they released the funds. I provided them that and they are fixing me a hard time, the same answers and have stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ref : Experian A complaint was filed on XX/XX/XXXX with Federal Consumer Finance Protection Bureau ref : changing my XXXX number to XXXX. Didnt do a bit of good! 
I was told that one may reach a real live help person at Experian at XXXX option # XXXX. 
Called and got a real live person at XXXX XXXX XXXX XXXX 
Explained my problem. Put on hold while being transferred. Held for XXXX minutes. 
These people are next to impossible to contact. My pin # was lost and they keep wanting me to confirm by texting only and they are using my old phone number which was discontinued in XXXX, XXXX. There is no other option available. XXXX. I still can't get into my account. They have my current phone number - XXXX - formerly a landline but changed to my XXXX XXXX 
This outfit is truly a nightmare to work ( try?? ) with. I am aware that they have been warned to provide better customer service but they sure don't respond!

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 2025-01-11 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I had an auto loan with Ally in XXXX and closed in XXXX. It has been paid since XX/XX/XXXX and still on my XXXX credit report. I have disputed several times due to too old to be on file and they wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Upon logging in to XXXX XXXX credit card rewards, I noticed the reward balance was XXXX. I contacted the customer service number who updated my account to show current points which was completed successfully however the balance was much lower than expected. The customer service representative informed me that my points expired on XX/XX/XXXX. I was not aware that the points could expire. She attempted to have them reinstated at my request but was unsuccessful, so she transferred me to a supervisor, XXXX, who was unwilling to even let me speak or ask questions. He read me a script stating no exceptions and that it is my responsibility to manage my account and they have no obligation to notify me that my points were expiring. He stated that there was a change in terms in XX/XX/XXXX notifying me of the change. I was not aware of the change or I would have redeemed the points before they expired. I have been a customer for nearly XXXX years with excellent credit history using and paying the card on time. I requested an exception to have the points reinstated and that I would redeem immediately so they didnt sit on the account longer since they should be expired. XXXX was unwilling to work with me, spoke over me, continued to berate me that I should have been responsible to redeem the points. I asked for his last name and he hung up on me. The point value expired is greater than {$1000.00} cash value. Id like assistance in resolving this matter. This practice is unfair and deceptive. The company should notify customers their points will expire to afford them the opportunity to redeem their points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: OH

Complaint narrative:
I am writing to file a complaint against Experian regarding their failure to properly investigate disputes related to inaccuracies on my credit report, as well as their failure to remove or correct these errors in compliance with the Fair Credit Reporting Act ( FCRA ).

I have submitted multiple dispute letters to Experian, requesting that they investigate and correct erroneous information appearing on my credit report.

Despite my efforts, Experian has failed to properly investigate my disputes, and errors have remained on my report without correction. This failure violates 15 USC 1681i, which requires credit reporting agencies to investigate disputes in a reasonable amount of time.

Furthermore, Experian has failed to remove or reinsert incorrect information in accordance with 15 USC 1681c and 15 USC 1681e ( b ), resulting in continued harm to my credit standing. 
As a result, I am seeking immediate investigation and resolution of these violations and request that the CFPB take appropriate action to address my concerns. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the inaccuracies have harmed my credit such as preventing me from job opportunities. And receiving housing

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 2025-01-11 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: OR

Complaint narrative:
On multiple days I tried to obtain my car title to register my car in XXXX. I sent official paperwork from the XXXX state department and DMV, bridgecrest is still failing to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my XXXX dispute letter since XXXX disputing the accounts listed below. Experian has failed to delete the accounts advising they are verified and has also reinserted an account that was deleted. This was done without proper verification as required by law. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Experian is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. Experian is the only CRA reporting these accounts on my report.

The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. A reasonable jury will find that you Experian are in violation of 1681 s-2 ( b ) where you did not look beyond the information contained ( I mailed and uploaded XXXX and XXXX Deletions XXXX mail to Experian ) and Experian never consulted underlying documents to verify the inaccurate information so with that being said the question is whether you as a CRA behaved reasonably as well as did you acquire sufficient evidence to support the conclusion of my last disputes.Other laws that were violated are as stated, Experian did not Remove all listed accounts from my credit report immediately, as they are not valid, did not Provide me with a detailed explanation of how the investigation was conducted, as per 15 U.S. Code 1681i ( a ) ( 7 ), nor did Experian Provide evidence of verification from the furnishers of this information, as per 15 U.S. Code 1681i ( a ) ( 1 ). Per my FCRA Attorney Experian has violated these same laws in the past

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 2025-01-11 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: IL

Complaint narrative:
I am writing to request your assistance in resolving a claim of identity theft and fraud that I initiated on XX/XX/XXXX, with Claim ID # XXXX. 

The claim concerns a fraudulent charge of {$200.00} that caused my business account to go negative during a period of reduced activity in my business. Upon noticing the charge, I promptly initiated a dispute, and I was issued a {$200.00} temporary credit, which brought my account current. However, on XX/XX/XXXX, I noticed the funds were deducted from my account due to a temporary credit reversal, leaving me liable for the fraudulent charge. 

After speaking with a representative from the XXXX XXXX Department, I was informed that the charge could not be considered fraudulent because it involved the use of my debit card chip and PIN. The representative suggested that a chip card could not be subject to fraud, which left me feeling unheard and frustrated. I want to emphasize that this transaction was not authorized by me and is a result of identity theft. 

While I understand the complexities of fraud investigations, I am disappointed by how this matter was handled. Fraudulent transactions can occur even with advanced security measures, and I believe my situation was not properly reviewed. To support my claim, I have filed both a police report and an FTC report ( Report XXXX : XXXX ) documenting the crime. 

As a loyal customer with multiple personal and business accounts, as well as credit cards with Bank of America, I have always appreciated the excellent service provided by my personal bankers, business bankers, and merchant representatives. I trust Bank of America to protect its customers, and I am disheartened by this experience. 

I kindly request that someone from your executive team review my claim and consider the attached documentation. I truly value my relationship with Bank of America and hope that we can resolve this matter in a way that restores my trust and confidence in your institution. 

Thank you for your time and attention to this matter. I look forward to hearing from you and am hopeful for a resolution.

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 2025-01-11 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: NY

Complaint narrative:
I have already submitted a complaint to CFPB concerning Transunion 's false listing of an unpaid XXXX account. Since submitting it, I have located documentation of XXXX errant billing, if not outright scam. May I submit the documentation :? It is a file of XXXX bills sent to me from XXXX, to MY address MY business name, but the bills are to XXXX other people. And this has been done repeatedly. There is something seriously wrong with this company. They have nearly XXXX complaints or bad reviews on XXXX XXXX and the Better Business Bureau. I would like to know if there is some way to provide CFPB with this documentation, ( fake bills ). Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I Contacted the Reporting Agency to get a Documented Proof. I was unable to get Proof and was hung up on. I would like these Items removed from my Credit. I have No knowledge, and the Agency has not provided Supporting Documents. I contacted the Credit Bureaus and filed a dispute, it came back verified without having been provided with Any Legal Document. 

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 explanation
Consumer complaint received 2025-01-11 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was paying to have my credit repaired an never received the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ordered a shoe from XXXX  store XX/XX/XXXX, amount was XXXX dollars the ordered said delivered and signed for by security, I never received the order and security at my building dont sign for packages. I reached out to XXXX and XXXX to try to revolve the issue, they keep insisting it was delivered and signed for by security, I dispute the transaction with chase bank XX/XX/XXXX, my dispute was denied and I was XXXX a total of XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
Each time, I contacted the bank. They closed down the card and issued a new one... which takes 10 business days to arrive WITH NO TRACKING for the card. When I questioned them about the repeated problem they said 'maybe there was a skimmer. Do you look carefully at the ATM? ' I told them I do AND the onlyATMS I use is AT/IN THEIR banks ... not a stand alone kiosk or at a convenience store. They offered no explanation OR CONCERN. This sounds like 'an insider ' stealing data but their fraud groups seems unconcerned. This is not acceptable to 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 monetary relief