vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
AS OF XX/XX/year> I HAVE A COUPLE OF ACCOUNTS THAT ARE NOT MINE THIS ACCOUNT I KNOW NOTHING ABOUT WHICH IS CALLED XXXX XXXX WITH A BALANC SHOWING XXXX IN WHICH I DONT OWE OR NEVER HEARD ABOUT THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVER HEARD OF THIS COMPANY EITER OR XXXX XXXX XXXX XXXX  THESE WERE REPORTED BY TRANSUNION WHICH ALL INFORMATION IS INCORRECT I AM A VICTM OF IDENITY THEFT NONE OF THESES ACCOUNT ARE MINE PEROD

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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Bank of America regarding their failure to fulfill the {$500.00} business checking bonus that I rightfully earned upon meeting all promotional requirements. 

I opened a Bank of America Business Advantage Checking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  if I : Deposited {$15000.00} and maintained it for 120 days ( requirement met ). 
Actively used the account ( requirement met ). 
Despite fully complying with these terms, Bank of America has not credited the promised {$500.00} bonus to my account. I have waited well beyond the timeframe expected for the bonus to be posted, yet I have received no communication, no resolution, and no explanation from Bank of America. 

Desired Resolution : I am requesting that Bank of America immediately credit the {$500.00} bonus to my account, as I fully met the eligibility requirements under the terms of the promotion. I also request that the CFPB investigate this issue, as this appears to be an unfair and deceptive business practice, where customers meet all promotional terms but are denied their promised incentives without justification. 

Why This Matters : Bank of America marketed this promotion to attract new business customers, yet failed to uphold its commitment. 
If this is a recurring issue, this could impact other customers who were similarly misled. 
Consumers should not have to fight to receive a bonus that was contractually promised. 
If Bank of America does not resolve this issue, I will escalate my complaint to additional regulatory and consumer protection agencies. I trust that the CFPB will ensure that Bank of America upholds its advertised promotions fairly and transparently. 

Thank you for your assistance in resolving this matter.

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 2025-02-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries 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 2025-02-09 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Please be advised I was a victim of Identity Theft!! 
NCB Management Seevices we Ive never done business with or interned into a written contract is trying to collect a debt I dont owe. I police report was provided in XX/XX/year>!! The account was removed!! Ive never done business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX [ XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Request for Removal of Inaccurate Collection Account Dear Experian Dispute Department, I am writing to formally dispute the reporting of a collection account on my Experian credit report. The account in question, reported by XXXX XXXX, contains false and misleading information in violation of FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits deceptive and misleading practices by debt collectors.

Specifically, the collection agency has engaged in false reporting by [ explain the issue, e.g., reporting a late payment on a closed account, re-aging the debt to make it appear newer than it actually is, or misrepresenting the balance or status of the account ]. This is a clear violation of federal law and must be corrected immediately.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting that Experian investigate this matter and delete the account from my credit report. If the collection agency can not provide accurate and verifiable information, this account must be permanently removed. 

Please provide me with written confirmation of the results of your investigation within 30 days, as required by law. If Experian fails to remove this inaccurate information, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Enclosed are copies of my identification and any supporting documents to assist in your investigation. 

I appreciate your prompt attention to this matter and expect a resolution within the legally required timeframe. 

Sincerely, 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 2025-02-09 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: PA

Complaint narrative:
Equifax system is still stating on XXXX that I have XXXX XXXX active when all my XXXX XXXX  have been paid in full since XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX provided me all paid in full letters ( see attached ). XXXX even confirmed that they notified all 3 reporting agencies of this change on XXXX and This information was updated immediately by ( XXXX and XXXX ) those agencies reflect a {$0.00} balance as they should. I have so far submitted three disputes to Equifax with all paid in full letters attached : 1 ) Equifax dispute number : XXXX XXXX Closed dispute but no-action taken on the accounts. 
2 ) Equifax dispute number : XXXX ( Pending to address incorrect {$1000.00} balance ) 3 ) Equifax dispute number : XXXX ( Pending to address incorrect {$1400.00} balance ) Despite providing the information the agency has not updated the incorrect information. Their system shows I have two remaining loans from " DEPT OF ED '' when the actual loan servicer was XXXX which is evident by other paid off loans closed by them. I have attached all supporting documentation to this Complaint. These were the last two loans to be paid in full so it is unclear why they refuse to update the information as we are approaching 60 days since the update from XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
The delinquent accounts in my credit report is due to date breech, stolen identity, and or/fraudulent use, it has been extremely challenging to my personal finances, I can't do anything with these bad accounts heavily effecting my personal life, I'm reaching you to you guys for help, please help my case, thanks so much.

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 2025-02-09 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:
The delinquent accounts in my credit report is due to date breech, stolen identity, and or/fraudulent use, it has been extremely challenging to my personal finances, I can't do anything with these bad accounts heavily effecting my personal life, I'm reaching you to you guys for help, please help my case, thanks so much.

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 2025-02-09 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We contacted Chase on XX/XX/year>, to report the card was fraudulently opened. At first, Chase told us that those charges would not be our responsibility, however then after a review they said it was our responsibility. Both civil and criminal charges ( XXXX XXXX  ) have been filed in the XXXX XXXX XXXX XXXX, Indiana against the lady who opened this card. Chase says after their review ; it is a civil matter not their issue. The application was made online with incorrect information ; however Chase still approved the card. We are willing to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: 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 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 2025-02-09 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: NC

Complaint narrative:
I informed TransUnion that the information was not mine and would like it to be removed immediately and is still on my 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 explanation
Consumer complaint received 2025-02-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The following is a recap of what happened in chronological order : XXXX XXXX XXXX XXXX  I made a reservation through XXXX XXXX XXXX to stay at the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX XX/XX/year> to XX/XX/year>. I was charged {$75.00} XXXX XXXX  that day for the reservation. 
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  for our stay and {$76.00} incidental charges ). 

This is a double charge for the same stay. I made a claim with Citibank, providing them the proof I was double charged. Citibank will not credit one of the charges even though they're both on the same credit card.

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 2025-02-09 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: VA

Complaint narrative:
I am filing a formal complaint against Experian for its failure to conduct a reasonable reinvestigation of disputed information on my credit file and for its continued reporting of inaccurate bankruptcy information. 
In XX/XX/year>, the CFPB sued Experian for failing to properly investigate disputes and for not removing inaccurate reports, which threatens consumers access to credit, employment, and housing. Despite this, Experian has continued these harmful practices by failing to properly investigate my dispute regarding an inaccurate bankruptcy on my credit file. 
Experians Failure to Verify Bankruptcy Information I have disputed this bankruptcy with Experian multiple times and have also filed two complaints with the CFPB regarding this issue. However, Experian has failed to provide proper verification and continues to report conflicting and inaccurate information. 

To refute Experians claims, I have provided : A letter from XXXXwhich Experian previously identified as their source for bankruptcy recordsconfirming on XX/XX/year>, that the bankruptcy is NOT on my credit file. This means Experian is either relying on outdated information or failing to verify its sources properly. 
A letter from the U.S. Bankruptcy Court of XXXX XXXX stating that they do not verify information with any third party. This directly contradicts Experians repeated claims that they have verified the bankruptcy as accurate. 
Despite these facts, Experian continues to send me generic responses stating that the bankruptcy has been " verified as accurate '' without providing any supporting documentation. 
Experians Pattern of Noncompliance I have requested numerous reinvestigations, yet Experian has refused to conduct a proper review. I have requested the specific documents and procedures used to verify the bankruptcy on two separate occasions, but I have not received any response. 
I have requested the name and contact information of the entity or individual Experian used to verify this bankruptcy, and this request has been ignored. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), Experian is legally required to conduct a reasonable reinvestigation and provide documentation supporting their findings. Their continued failure to comply violates my rights under the FCRA and is causing significant harm to my creditworthiness.

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 2025-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Cease and Desist Letter to Stop Debt Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Collection Efforts [ Account Number : XXXX ] To Whom It May Concern, Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I formally request that you cease and desist all communication and collection efforts regarding the alleged debt referenced above.

I have already requested debt validation under FDCPA 809, and until proper validation is provided, you must immediately stop all collection activities, including : Phone calls Letters or emails Reporting this debt to credit bureaus Contacting me at work, home, or through third parties If you fail to comply with this request and continue collection efforts without validating the debt, I will take the following actions : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

2. Consider legal action for violations of the FDCPA, which may result in penalties and damages.

This letter serves as my official notice of dispute and request for cessation of communication. Any further attempts to collect this debt without proper validation will be considered harassment and a violation of federal law.

Please provide written confirmation that you have ceased collection efforts regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
due to careful analytics investigation, XXXX XXXX XXXX. is a third party that I have no legal bond or contract with or gave authorization to. account owner XXXXXXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$1300.00}, last payment date XX/XX/year> showed serval inaccuracy on the report as will, inaccurate information dates, payment and more

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 2025-02-09 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: NC

Complaint narrative:
Experian notified me that my information was exposed and I checked and found accounts that was not mine and disputed the accounts and the account are still on my 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Due to cash apps lack of fraud protection my account has been compromised as well as my personal information on numerous occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 53 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation